Real Estate Commission Calculator

Work through a sale from the commission down to what the seller actually walks away with. One side of the page splits the commission between the two agents, the other splits the listing agent's share with their own brokerage, and the seller's net lands at the bottom.

Important: Not a Valuation or Financial Advice

This page estimates costs from the figures you supply. It is not an appraisal, a valuation or financial advice, and it does not model local market conditions, taxes, insurance, closing rules or lender-specific terms. Confirm every amount with your lender, agent or a qualified adviser before relying on it.

Two Different Splits, Kept Separate

The page models a commission as two separate divisions rather than one. The first divides the whole commission between the listing side and the buyer side. The second divides only the listing agent's portion between that agent and their brokerage. Keeping the two apart is the point of the layout: the agent-brokerage percentage never touches the buyer side, and treating them as one figure is the most common way a hand calculation goes wrong.

• The split selector is written as listing to buyer and offers 50/50, 40/60, 60/40 and a listing-only option. Listing-only puts one hundred percent on the listing side and leaves nothing for a buyer's agent.
• The agent split box sets how much of the listing share the agent keeps, with the remainder going to the brokerage. It is clamped between zero and one hundred percent, so an out-of-range figure cannot produce a negative brokerage share.
• Closing costs are entered as a percentage of the sale price, while the repair credit is a flat dollar amount. They are different kinds of cost and the page keeps them that way.
• The final line subtracts the full commission, the closing costs and the repair credit from the price. Both commission sides come out of the seller, not just the listing half.

Running a Sale Through the Page

1. Enter the sale price. The default is 450,000, which is high enough to make the splits easy to compare.
2. Set the commission rate as a percentage of price. Six percent is the default; the field accepts decimals such as 5.5.
3. Choose the listing-to-buyer split. If only one agent is involved, choose the listing-only option and the buyer line drops to zero.
4. Set the agent-brokerage split. Seventy percent is the default, meaning the agent keeps most of the listing share and the brokerage takes the rest.
5. Add closing costs as a percentage and any repair credit as a dollar figure. Both are deducted before the net figure at the bottom.
6. Press Calculate Commission. The breakdown replaces the previous result, so re-run it after any change rather than assuming it updated.

The Defaults, Worked Line by Line

At a price of 450,000 dollars and a six percent rate with an even split, a seventy percent agent share, two percent closing costs and a 2,000 dollar repair credit, the page returns these figures.

• Total commission is 27,000 dollars, which is six percent of the price. This is the pool that everything else comes out of.
• The listing side receives 13,500 dollars and the buyer side receives 13,500 dollars, because the split is even at fifty percent each.
• The listing agent keeps 9,450 dollars, which is seventy percent of the 13,500 listing share. The brokerage keeps the remaining 4,050 dollars.
• Seller proceeds before costs are 423,000 dollars, which is the price less the full commission.
• Closing costs at two percent come to 9,000 dollars, and the repair credit takes another 2,000 dollars.
• Seller net proceeds settle at 412,000 dollars. That is the price less 27,000 in commission, less 9,000 in closing costs, less the 2,000 repair credit.
• Switching to listing-only keeps the total commission and the seller net identical, but moves the whole 27,000 to the listing side. The agent share then rises to 18,900 and the brokerage share to 8,100, because the percentage now applies to a larger base.

How the Commission Is Divided

Alternative	Notes
Even split between the two sides	The familiar arrangement. Each side receives the same sum, so the buyer's agent is paid as much as the listing agent. This is the default and the easiest to sanity-check, since the two side figures must add up to the total.
Weighted split	The forty-sixty and sixty-forty choices shift the balance when one side did more of the work or brought the buyer. The total is unchanged, so a gain on one line is exactly a loss on the other.
Listing side only	Used when no buyer's agent is compensated. The whole commission sits on one line and the buyer side reads zero point zero percent. It does not change what the seller pays, only how the money is described.
High or low agent retention	The agent-brokerage box is the lever a newer or more experienced agent negotiates. Moving it from seventy to ninety percent changes the agent's take but leaves the seller's net untouched, because it only repartitions the listing share.

What the Model Leaves Out

This is a commission and straightforward-cost model, not a closing statement. It runs entirely in the page, saves nothing, and sends nothing, so the figures stay on your device. The value is in seeing how a split flows, not in producing a document you can hand to a client without checking.

• The mortgage payoff is not part of the calculation, so the net figure is not the cash a seller receives if a loan is still outstanding.
• Property taxes, transfer taxes, title fees, attorney fees and any prepayment penalty are absent. Only the commission, the closing percentage and the repair credit are subtracted.
• Prorated items such as prepaid taxes or utility deposits, which often appear on a real settlement statement, are not modelled here.
• Closing costs are treated as a flat percentage of price rather than a list of line items, so the single figure stands in for everything from title to recording.
• Nothing is persisted between visits. Reloading restores the default price, rate and splits, and any scenario you liked has to be re-entered by hand.

Commission Questions

Does the agent-brokerage percentage apply to the whole commission?

No, and this is the detail most people get wrong. It applies only to the listing side, not to the total. In the default case the listing side is 13,500, so a seventy percent agent share is 9,450 and the brokerage takes 4,050. The buyer side of 13,500 is not divided by this box at all.

Why does choosing the listing-only split not change the seller's net?

Because the seller pays the whole commission either way. The split decides who receives it, not how much it is. Moving from an even split to listing-only shifts 13,500 from the buyer line to the listing line and changes the agent and brokerage shares, since the percentage now applies to the larger base, but the seller's total deduction is identical.

What is the difference between the closing field and the repair field?

One is proportional and one is fixed. The closing field is a percentage of the sale price, so it rises and falls with the price; the repair field is a flat dollar credit, so it stays the same regardless. Both are subtracted after the commission to reach net proceeds.

Can I enter a rate above the field maximum?

The agent-brokerage box is the only one the code clamps, holding it between zero and one hundred percent. The rate and closing fields rely on their input limits rather than logic, so a value typed beyond the suggested range is still used as entered. Reset it if a result looks impossible.

Last verified: October 7, 2026

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Maintained by Huang Bin · Last updated October 3, 2026