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Core 8 · Tool 03 · Keep More

Commission
Take-Home™

A closing check is not the same as personal income. See exactly where the commission goes—and what you can responsibly take home.

Start with true GCISale price × your side commission
Account for every deductionReferral, brokerage, team, and deal costs
Protect the tax reserveSee estimated spendable take-home

Follow the money

What did this closing really pay you?

Enter the economics of one side. The result updates instantly as assumptions change.

Your Closing Numbers

About two minutes. Nothing is saved or submitted.

1 · Calculate gross commission income
$
%
%
Enter 0 when no referral fee applies
2 · Apply brokerage and team economics
%
The percentage you keep
%
Use 100 if you are not on a team
$
$
3 · Protect what is not spendable
%
Your planning reserve—not a tax calculation

This calculator provides planning estimates only. Split order and fee treatment vary by brokerage, team, referral agreement, and jurisdiction. It is not financial, tax, legal, accounting, or brokerage advice.

What the number means

Gross commission is revenue—not take-home income.

The calculator makes each deduction visible so a closing check does not create a false sense of available cash.

1

Calculate GCI and referral

Sale price and side commission establish GCI; any referral fee comes off first.

2

Apply the splits and direct costs

Brokerage and team economics are applied sequentially, followed by transaction and deal expenses.

3

Separate the tax reserve

The reserve is removed from pre-tax proceeds to estimate what may be responsibly spendable.

One closing shows the economics

The Income Equation shows what the year requires.

Use your true net income per closing in the Agent Income Equation™ to build a more realistic annual production plan.

Build My Income Equation →