How your commission check is built on each plan. Run your own deal through the calculator, then use the reference below to see where every dollar goes.
Enter the sale and your plan. The numbers update as you type. This is an estimate; your disbursement authorization from the office is the final figure.
Both plans use the same deductions on every closing: a 30% cap contribution, the compliance fee, and any referral fee taken off the top. The difference is how much of the commission you keep before those deductions.
| Term | Independent | Team |
|---|---|---|
| Split on your own businessSphere, past clients, personal buy or sell | 100% | 50% – 75%50% standard; 60 / 65 / 70 / 75 negotiated |
| Split on company-provided leadsZillow, Google, Homes.com, sign calls, HomeLight | 100% | 50%applied after the referral fee comes off |
| Annual cap | $12,000 | $7,500 |
| Cap contribution per closing | 30% of your share | 30% of your share |
| Your side of commissions needed to capcap ÷ 30% | $40,000 | $25,000 |
| Compliance fee per closing | $195you pay the full fee | $97.50$195 split with the house |
| After you cap | 100%, less $195$8,805 on a $9,000 commission | Your split, less $97.50contribution stops; split stays |
The order matters. Each step works on what the step above it left.
A $300,000 sale at 3%. What changes the check is your plan, where the client came from, and whether you've capped.
The contribution is a flat 30% of your share, so the cap is a target on your side of the commissions. Deal counts assume a $9,000 gross commission on every closing.
| Plan and lead source | Cap | Your side needed | Your share per deal | Deals to cap |
|---|---|---|---|---|
| Independent, any source | $12,000 | $40,000 | $9,000 | 5 |
| Team at 60%, own client | $7,500 | $25,000 | $5,400 | 5 |
| Team at 50%, own client | $7,500 | $25,000 | $4,500 | 6 |
| Team at 50%, Zillow Flexafter the 40% referral | $7,500 | $25,000 | $2,700 | 10 |