Agent With A Plan

Real Estate Agent Commission Calculator

This calculator shows your commission after splits, caps, fees, costs and taxes, so you see what you take home per deal, per month and per hour. Start with the quick estimate, or switch to detailed to add every lead source, fee and cost.

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Choose a version
Where you work
Your numbers

Deals, average price and commission are all you need for a first number. Anything else you leave blank uses an estimate, and your results list which ones.

Want per-deal fees, lead costs, insurance, PREC or more than one lead source? .

Your deals, by where they came from

Deals per year, average price and your commission % are enough to see a result. Add a lead source for each place your business comes from, because each one can pay you differently. Referral fees come off the top, before any split.

Fill in deals per year, average price and your commission % above to see your take-home.

Your team split

Tick "These are team-provided leads" on each lead source the team gives you.

On team-provided leads, the team pays:

Unticked, these come out of your share. A referral fee then comes off the top, before the team split.

Your brokerage plan
Yearly business costs

Enter what you actually spend in a year. Leave anything that doesn't apply blank.

Per-listing and per-deal costs
Driving and hours
Taxes and benefits

Self-employment tax (Social Security and Medicare) is worked out for you from 2026 rates.

CPP and CPP2 are worked out for you from 2026 rates.

Ticked, they come off your profit before the income tax set-aside. Self-employed health insurance is usually deductible; so are SEP-IRA and solo 401(k) savings, but not Roth.

Ticked, they come off your profit before the income tax set-aside: health and dental through a private health services plan, and RRSP savings (not a TFSA).

Only for businesses with up to $400,000 a year in sales, including GST/HST.

Personal real estate corporation (PREC) estimate

A PREC can defer tax on money you leave in the corporation. PRECs are confirmed in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario and Nova Scotia. Confirm with your accountant.

Advanced

Estimates only, not tax, legal or accounting advice. Check your fees with your brokerage and your taxes with an accountant. Official rates last checked 2026-11-13.

How it works

The calculator follows each deal in the order the money moves.

  1. The referral fee comes off the top, if the deal came from a referral.
  2. Your team takes its share, if you’re on a team.
  3. Your brokerage takes its split from your share, until you reach your cap. After the cap, you keep your after-cap percentage.
  4. A franchise royalty comes out of your share, if your brokerage charges one.
  5. Per-deal costs come off next: transaction fees, E&O, lead costs, client gifts and your transaction coordinator.

Then it takes off the costs you pay every year, however many deals you close: monthly brokerage fees, dues, MLS, marketing, software, your phone and your car.

Last come tax and benefits. In the US, that’s self-employment tax. In Canada, it’s CPP and CPP2. Both are worked out from 2026 rates. Your income tax set-aside, insurance and retirement savings come off after that. What’s left is your take-home.

The quick version asks about 12 questions. The detailed version lets you add each lead source, every fee and every cost. If you leave an important field blank, the calculator uses an estimate and tells you which ones it used.

Frequently asked questions

How much does a real estate agent make per sale?

In this calculator’s example, an agent takes home $5,025 per sale after splits, fees, costs and taxes. That agent closes 21 deals and earns $270,000 in gross commission. After referral fees, a capped 80/20 split, fees, business costs, car, taxes and benefits, they take home $105,535 a year, or $49 an hour at 45 hours a week for 48 weeks. Your number depends on the commissions you negotiate, your split, your costs and your taxes.

Do referral fees count toward an agent’s cap?

Usually not. The referral fee is paid off the top at closing, before your split. Your split and your cap are worked out on what’s left. The calculator does it the same way.

What does an 80/20 commission split mean?

An 80/20 commission split means you keep 80% of each commission and your brokerage keeps 20%. On a capped plan, the 20% stops once you’ve paid the cap for the year. With a $16,000 cap, you keep 100% after the brokerage has collected $16,000, less any per-deal fees.

How much tax does a real estate agent pay on commission?

In the US, an agent pays self-employment tax of 15.3% on 92.35% of their net business income, because agents are self-employed. That covers Social Security and Medicare. Income tax comes on top, and it depends on your state and your bracket.

In Canada, self-employed agents pay both halves of CPP: 11.9% on earnings between $3,500 and $74,600 in 2026, plus CPP2 of 8% up to $85,000. Income tax comes on top. Once your sales pass $30,000 over four calendar quarters in a row, you also need to register for GST/HST.

The calculator works out self-employment tax or CPP for you. For income tax, it uses the set-aside percentage you enter. Your accountant can tell you the right one.

What are the estimates in my results?

When you leave an important field blank, the calculator fills in an estimate so your take-home isn’t too high. Your results list every estimate it used. They are:

  • Income tax set-aside: 25%
  • Yearly business costs: $15,000
  • Car: 8,000 miles at the IRS rate, or 12,900 km at the CRA rate
  • Split: 80%, with a $16,000 cap if you also leave the cap blank
  • Referral fee: 25%
  • Team share: 50% on team leads and 70% on your own leads
  • Franchise royalty: 6%

Replace any of them with your own numbers.

Is my information saved?

No. Your numbers stay in your browser and nothing is sent anywhere. If you copy a share link, your numbers go into the link itself, so anyone you send it to can see them.