Agent Tools
Commission Split Calculator Canada — Agent Take-Home Pay
Calculate a Canadian real estate agent's take-home commission after brokerage split, desk fees, franchise fees, and E&O insurance on any sale price.
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Frequently Asked Questions
How does a real estate commission split work in Canada?+
When a property sells, the total commission (e.g., 4%) is split between the listing brokerage and the buyer's brokerage. Each agent then splits their brokerage's portion with their own brokerage based on their agreed split (e.g., 80/20). The agent keeps their percentage after all brokerage deductions.
What is a desk fee in real estate?+
A desk fee (or transaction fee) is a fixed amount charged by the brokerage per transaction, sometimes in addition to or instead of a percentage split. Some brokerages charge a monthly desk fee regardless of transactions, while others charge per deal. Terms vary widely.
Do real estate agents pay HST on their commission in Canada?+
Yes — agents registered for HST/GST must collect and remit tax on their gross commission. In Ontario, this is 13% HST. Agents can claim Input Tax Credits (ITCs) on business-related HST paid, reducing the net amount remitted to the CRA.
What is a franchise fee in real estate?+
Agents working under a franchise brand (RE/MAX, Royal LePage, Century 21, etc.) may pay a franchise fee — typically 5–8% of gross commission — on top of their brokerage split. Some brokerages absorb the franchise fee internally; others pass it through to agents.