Free tool · 2026

Real Estate Commission Calculator

The number you celebrate at closing is not the number that lands in your account. See your real net take-home on a deal, after the split, fees and franchise cut.

The deal

Sale price ($)

Your side commission (%) · usually 2.5 to 3%

Your split with the broker (%) · your share, e.g. 70 for a 70/30

Franchise / royalty fee (% of GCI) · some brands take 5 to 8%, 0 if none

Transaction / broker fee ($)

Your take-home

Updated as you type. Before income and self-employment tax.

Gross commission (GCI)$0

Your split$0

Franchise fee$0

Transaction fee$0

Net to you, this deal$0

You keep this % of the sale price0%

This is your commission before income and self-employment tax (15.3%). The cap (when your split improves after you hit your annual cap) is not modeled here. Confirm with your broker and a CPA.

One deal here. Your whole year in the spreadsheet.

The 1099 Sheets Real Estate Agent spreadsheet tracks every deal, your cap progress, mileage, expenses and taxes, and shows your real take-home all year. Pay $29 once, yours forever, no subscription.

Get the Real Estate Agent spreadsheet →

How real estate commission really works

Close a $400,000 home at 2.5% and the congratulations say "$10,000 commission." But that is gross commission income (GCI), not your paycheck. Here is where it goes before it reaches you:

The broker split. Your brokerage takes a share, written as your portion first (70/30, 90/10). On a 70/30, you keep 70% of the GCI.

Franchise or royalty fees. Some big brands take a percentage of GCI off the top (often 5 to 8%) before or alongside the split.

Transaction fees. Most brokerages charge a flat fee per closed deal (commonly $250 to $500).

What is left is your real commission, and it is usually a lot less than the headline. On top of that comes income tax and the 15.3% self-employment tax, because you are a 1099 contractor.

Track it for the whole year, not one deal

This calculator shows one deal. The 1099 Sheets Real Estate Agent spreadsheet tracks every closing, your cap, your expenses, mileage and taxes, so you always know your real take-home. One payment of $29.