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Real Estate Agent Commission Split Calculator

Listing and buyer-side dollars from sale price, total commission, and office split.

Page updated 2026-09-04.

Real Estate Agent Commission Split Calculator visual
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Calculator

Default $475,000.

Default 5%.

Default 50% of the pot.

Agent share of the listing side. Default 70%.

Calculated Results

Listing agent take-home

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Total commission

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Listing-side dollars

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Office keep on listing side

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From sale price to the agent's actual take-home

On a $475,000 sale at a 5% total commission, the total commission pool is $23,750.00. Split 50/50 between listing and buyer's side, the listing side gets $11,875.00. After a 70/30 agent/office split on that listing side, the listing agent's take-home is $8,312.50, with the brokerage keeping $3,562.50.

That's four splits deep from the headline '5% commission' figure -- total, then side, then agent/office -- which is why an agent's actual paycheck on a sale is routinely a small fraction of the number a seller sees quoted at listing.

Every split here compounds: a seller negotiating the total rate from 5% to 4.5% doesn't just reduce the pool by 10% -- that reduction flows all the way through to a smaller number at the agent's final split too.

Where these percentages actually come from

Simple split of a stated commission. Brokerage fees and franchise cuts vary. This assumes a clean 50/50 listing-vs-buyer-side split, which is common but not universal -- some listings offer an uneven split (or a flat-fee buyer's-side incentive) to attract more buyer's agents.

The agent/office split (70/30 here) also varies enormously by brokerage model, from traditional splits like this one to 100%-commission models with a flat desk fee instead of a percentage cut.

Franchise fees, transaction fees, and E&O insurance charges are frequently deducted from an agent's split before it reaches take-home pay, and none of those are modeled in this calculator's four-way split.

The buyer's side of the same transaction

The listing side isn't the whole story -- run the same $475,000 price and total commission through this calculator with listShare set to the buyer's-side percentage to see the other agent's take-home from the same pool.

If the buyer in this transaction is also financing the purchase, the loan amount and payment on that $475,000 price can be modeled on the Mortgage Payment & Amortization Calculator.

Frequently Asked Questions (FAQ)

How is the listing agent's $8,312.50 take-home calculated?

Total commission ($475,000 x 5% = $23,750) split 50/50 by side gives $11,875 to the listing side, then a 70/30 agent/office split on that gives the agent $11,875 x 70% = $8,312.50.

Is the 50/50 listing/buyer-side split always the case?

No. It's a common convention, but listings can offer any split, including incentivized higher buyer's-side percentages to attract showings. Check the specific listing agreement rather than assuming 50/50.

Does this account for franchise fees or brokerage transaction fees?

No. Simple split of a stated commission. Brokerage fees and franchise cuts vary. Many brokerages deduct a franchise fee, transaction fee, or E&O insurance charge from the agent's split before it becomes actual take-home pay.

What does the 'office keep' figure represent?

It's the brokerage's share of the listing side after the agent/office split -- in this example, 30% of the $11,875 listing side, or $3,562.50. It isn't the brokerage's total revenue from the deal if they also represent the buyer.

Does a lower total commission rate reduce the agent's take-home proportionally?

Yes, directly. Since every split is a fixed percentage of the prior number, cutting the total commission rate by 10% reduces the total pool, the listing side, and the agent's final take-home all by the same 10%.

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