What-if
Model a different commission split before you offer it. Nothing here is saved.
Agent reference
What the figures say about this agent, in one place — to prepare for a terms conversation. It states figures; it doesn't judge, and it doesn't recommend.
GCI
$18,000
Broker keeps
$3,600
Overhead
$1,000
Net profit
$2,600
Margin
14.4%
Net profit over time
Break-even split share
5.6%
The brokerage share at which they cover their overhead.
Value of one split point
$2,160/year
At their current production. A figure, not a suggestion.
Allocated financial results only. This reference knows nothing about tenure beyond a start date, market conditions, an agent's circumstances, or what they contribute beyond production — and it should not be the sole basis for a decision about anyone's contract.
3 renewals in the next 90 days
A one-point move across these is worth $5,400 a year. Terms are only genuinely on the table at renewal — this is when.
- Alice Johnsonin 2 weekson 20.0% today$2,160/yr per point
- Brian Kimin 8 weekson 25.0% today$1,800/yr per point
- Carla Mendesin 2 monthson 30.0% today$1,440/yr per point
Dates are the anniversary of each agent's start date, which is the usual cycle for both contract renewal and cap reset. If yours run differently, treat these as a prompt rather than a calendar.
Build your scenario
Adjust the inputs to see how the outcome changes. Nothing here touches your real numbers.
Current: 20.0%
Current: $18,000
Costs that specifically affect this desk — an assistant, a marketing budget. Optional.
All other agents and inputs stay exactly as your current data.
Scenario results
How your changes move the numbers. Positive is better for the brokerage.
Scenario net profit · Alice Johnson
$2,600
Today: $2,600
Move an input above to model a change
$3,600
vs today
$1,000
allocated
$2,600
vs today
14.4%
net ÷ GCI
Side by side
A clear view of how the numbers move.
| Current (20.0%) | Scenario (20.0%) | Difference | |
|---|---|---|---|
| GCI (production) | $18,000 | $18,000 | — |
| Brokerage keeps | $3,600 | $3,600 | — |
| Overhead + desk costs | $1,000 | $1,000 | — |
| Net profit | $2,600 | $2,600 | — |
| Margin | 14.4% | 14.4% | — |
Where the change comes from
Each lever, adding up to the scenario net.
Model a change to see the breakdown.
Across every split
The whole curve, so you see the shape — not just one point.
How profit changes as the split changes
Based on $18,000 GCI and $1,000 overhead for Alice Johnson. The brokerage keeps more the larger its share — there's no hidden peak.
| Brokerage share | Net profit | Break-even GCI |
|---|---|---|
| 15.0% | $1,700 | $6,667 |
| 20.0%current | $2,600 | $5,000 |
| 25.0% | $3,500 | $4,000 |
| 30.0% | $4,400 | $3,333 |
| 35.0% | $5,300 | $2,857 |
| 40.0% | $6,200 | $2,500 |
Net profit across brokerage share
Reference point
At $18,000 of production, Alice Johnson covers their $1,000 of overhead at a brokerage share of 5.6%. Above that they contribute; below it they cost you.
What a point of split is worth here
One percentage point of Alice Johnson's split is about $2,160/year to the brokerage at their current production. They break even at a 5.6% share.
A reference, not a recommendation — what the number should be is your call, and a worse split for the agent is a conversation, not a setting.
Beyond what a split can cover
Even at a 50.0%brokerage share, these desks wouldn't cover their overhead at current production — so the question is production, not terms.
Impact on the brokerage
How this scenario moves the bigger picture.
Net profit impact
—
annual: —
Brokerage total net
$10,825
was $10,825
Other agents
Unchanged. This scenario only affects Alice Johnson's desk.
Ripple across the roster
A split or cost change to one desk leaves the others exactly where they were.
Nothing to show — the rest of the roster is unchanged.
Thinking beyond the numbers?This shows the financial impact only. Tenure, pipeline, market conditions and team dynamics all belong in the decision — and none of them are in this figure. It's a model, not a commitment.
What a point of split is worth
At current production, before anyone changes anything. A point of split on a producer moves more money than the per-head costs on a low one.
One percentage point on Alice Johnson, your biggest producer, is worth $2,160 a year. They're on 20.0% today.
Contracts that can't cover their overhead
These agents' splits sit below the level that would cover the overhead they consume. That sits in the terms rather than in how they're working — production moves month to month; a split only moves at renewal.
| Agent | Monthly GCI | Split today | Breakeven | Gap | Worth closing | |
|---|---|---|---|---|---|---|
| Isabel Cruz | $2,000 | 40.0% | 50.0% | +10.0 pts | $2,400/yr |
Breakeven is a reference point, not a recommendation. What the split should be depends on things this tool can't see — what the agent could get elsewhere, what they bring beyond production, how hard they'd be to replace. And a split can only change when terms are genuinely on the table: a renewal, a tier reset, or when the agent asks.
Beyond what a split can cover
Covering their overhead would need a brokerage share above 50.0% — more than any renewal would produce. Terms aren't the lever here; production is.
- Liam O'Brien$500 GCI · would need more than the whole commission