Property buyout calculator
Work out a buyout when one co-owner buys the other out — the equity in the home and what the exiting owner is owed for their share. For the full picture — legal vs fair equity, CGT and exactly who owes whom — Propact tracks it inside your dashboard.
Legal equity vs fair equity
Legal equity divides the equity by the share on the title — 50/50, 60/40, whatever the deed says. Fair equity weights it by what each owner actually put in: the deposit, the extra repayments, the stamp duty someone covered.
When deposits were unequal, those two numbers diverge — and the gap is the figure most buyout conversations miss. Propact shows both side by side inside your dashboard so the split is a fact, not an argument.
What the buyout figure includes
A real buyout isn't just “half the equity.” The exiting owner's share is settled after their portion of the remaining loan, any capital-gains tax on their slice, and the buyer's costs — transfer duty and a valuation fee.
The quick estimate above values the exiting owner's share of the equity; the full Propact dashboard layers in transfer duty, CGT and exactly who owes whom.
Property buyouts — common questions
How do you calculate a fair buyout price?
Start from the current value, subtract the loan still owing to get the equity, then divide it between owners. A fair split weights each owner by what they actually contributed (deposit and extra repayments), not just the title share — then settles the exiting owner after their share of CGT and the buyer after transfer duty and valuation costs.
What is the difference between legal and fair equity?
Legal equity follows the percentage on the title. Fair (contribution-weighted) equity reflects who put in more of the deposit or repayments. If contributions were unequal, the fair figure differs from the legal one — and that difference is what this calculator highlights.
Does the buyout include stamp duty and CGT?
Yes. The cash the buyer needs includes transfer (stamp) duty on the share being acquired plus a valuation fee, and the amount the exiting owner receives is shown after an estimate of capital-gains tax on their portion. These are modelled estimates — confirm the binding figures with a conveyancer and your accountant.
Can I use this if we own as a couple, friends, or parent and child?
Yes — it works for any two co-owners. Enter each owner’s title share and what they contributed, and the calculator shows the buyout from either side. Propact itself goes further, tracking contributions over time so the buyout number is always current.
Is this buyout calculator accurate?
It is an educational estimate. Actual buyouts depend on a registered valuation, your co-ownership agreement, exact loan payout figures, and professional tax and legal advice. Use this to understand the levers, then confirm the numbers with the relevant professionals.
Buying with someone else?
Propact tracks who paid what, splits the mortgage, and works out a fair buyout — from settlement to the day someone exits.
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