This calculator and guide are provided for general information only. They do not replace professional advice from a licensed real estate agent, lawyer or notary, mortgage professional, or tax advisor.
Whether you’re a homeowner or a real estate professional, the workflow is the same. The tool is designed so you can go from “rough idea” to “clean estimate” in under a minute.
Use the dropdown at the top to select the province where the transaction will close:
Ontario – Flat rate structure with HST.
BC, Alberta – Tiered model (GST only).
Saskatchewan – Tiered model (GST + PST applies).
Manitoba, Territories – Flat rate (GST only).
Quebec, Atlantic provinces – Flat rate with QST or HST applied.
This matters because each region has different tax rules, and some markets commonly use tiered commission structures.
Use the Sale Price slider or switch to Input mode:
Drag the slider to approximate the expected sale price.
Or click “Input” and type the exact number if you already have a list price or a realistic offer in mind.
The highlighted number above the slider updates in real time so you can quickly compare different price scenarios.
In the split grid you’ll see two sides:
Listing Agent % – the rate you expect the listing side to receive.
Buyer Agent % – the rate you expect the cooperating brokerage (buyer’s agent) to receive.
You can:
Keep them equal for a “traditional” 50/50 style split, or
Adjust them to model discount models, bonus buyer-side incentives, or reduced co-op
In tiered provinces, the labels change to:
Listing % (On Balance)
Buyer % (On Balance)
That’s because the first $100,000 of the sale price is handled as a fixed amount in the background, and your percentages apply only to the balance over $100k. The yellow banner explains this logic so agents can use it confidently with clients.
Note: In many tiered markets, the industry convention is a higher rate on the first $100,000. The calculator defaults to a standard 7% total split 50/50 ($3,500 per side) on this portion, but this can often be adjusted depending on the tool settings
The results panel at the bottom gives you four key numbers:
Listing Agent Fee – total dollar amount going to the listing side.
Buyer Agent Fee – total dollar amount going to the buyer’s side.
Net Commission – combined commission (listing + buyer) before tax.
Tax – calculated automatically based on your province (HST, GST, or GST+QST).
The final row shows Total Payable, which is the net commission plus tax. This is a quick way for home sellers to understand what will be deducted from the sale, and for agents to see how changes in commission structure affect the total cost.
This real estate fee calculator is designed to give you a transparent, customizable snapshot of how commission and tax might look on a specific sale price.
It is:
A flexible real estate broker commission calculator that works for every province.
Useful for home sellers budgeting their net proceeds.
Practical for agents who want to model different realtor commission rates and explain them to clients.
Built to reflect tiered structures that are common in markets like BC and Alberta.
It is not:
A quote, promise, or guarantee of what a brokerage will charge.
A substitute for reading your Listing Agreement, Buyer Representation Agreement (BRA), and brokerage policies.
Tax advice — always speak with your accountant about how commission income or selling costs affect your personal tax.
Commission is always negotiable, and actual compensation must be spelled out in a written agreement with a brokerage.
To help users make sense of what they’re seeing in the calculator, you can explain it right on the page.
In a flat model, the math is straightforward:
So if a listing agent is at 2.5% and the buyer’s agent is also at 2.5%, and the property sells for $800,000:
Listing side: 800,000 × 2.5% = $20,000
Buyer side: 800,000 × 2.5% = $20,000
Net commission: $40,000
Tax (for example, HST at 13% in Ontario): $5,200
Total payable: $45,200
So if a listing agent is at 2.5% and the buyer’s agent is also at 2.5%, and the property sells for $800,000:
The calculator handles all of this automatically — including the HST / GST / HST-equivalent for the selected province.
In some markets, commission is expressed as a tiered rate, for example:
“7% on the first $100,000 and a lower percentage on the balance.”
To keep this understandable for both home sellers and agents, the calculator:
Treats the first $100,000 of the sale price as a fixed amount per side – shown as a built-in $3,500 per agent in the banner text.
Applies your chosen Listing % and Buyer % only to the balance above $100,000.
So if the sale price is $900,000 in a tiered province and you set 1.5% for each side “on balance,” the logic looks like this behind the scenes:
First $100,000 → fixed split: $3,500 to listing side, $3,500 to buyer side.
Balance ($800,000) → your 1.5% rate per side:
Listing side on balance: 1.5% of 800,000 = $12,000
Buyer side on balance: 1.5% of 800,000 = $12,000
Totals:
Listing Agent Fee ≈ $3,500 + $12,000 = $15,500
Buyer Agent Fee ≈ $3,500 + $12,000 = $15,500
Net Commission ≈ $31,000, then tax is applied on top.
This mirrors how many tiered structures work in practice without forcing users to decode the math manually.
If you’re selling, you care about one question:
“How much will I actually pay in commission, and how does that affect my net proceeds?”
You can use this realtor commission calculator to:
Compare different commission offers from listing agents.
See how changing the buyer’s side (for example, from 2.5% to 2%) impacts the total commission.
Test how a higher sale price affects commission and tax.
Understand the difference between a “traditional” percentage model and a low-commission or flat-fee
Once you have a realistic estimate:
Subtract commission + tax from your expected sale price.
Subtract any mortgage balance, legal fees, and penalties.
You’ll have a working idea of your approximate net proceeds.
If you want to go beyond commission and estimate all the typical closing costs for seller — including legal fees, discharge penalties, and adjustments — you can use our dedicated calculator on that page for a more detailed breakdown.
You can then use that number to budget for your next purchase, moving costs, or debt repayment.
For agents, this real estate agent commission calculator can be a teaching and planning tool.
Walk sellers through the percentage for real estate agents so they can see where their money goes.
Ensure the co-operating commission is competitive for your market to attract maximum interest from buyer agents.
Demonstrate that commission is not always 50/50 and that every agreement is negotiated.
Model how different realtor commission rates translate into gross commission income.
Test what happens if you move from a traditional model to a discount / flat-fee listing model while adjusting the buyer side.
Pair this calculator with your own brokerage split (e.g., 70/30, 80/20, cap) to estimate your personal earnings per deal.