Agent Split Keep 2026 — Nested Listing-Side Take-Home

Agent split keep 2026 — nested listing-side take-home

This is not /commission (sale × one share). Illustration only — you type every %. Nested: KEEP = sale × side_share − referral − franchise − broker − desk − tax_buffer. First paint so a number shows: sale $400,000, side 3% illustration = GCI $12,000, referral 10% illustration = $1,200, franchise 6% of remaining illustration = $648, agent keeps 70% → broker $3,045.60, desk $500, tax $0 → KEEP $6,606.40. Not NAR. Confirm on your broker agreement.

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Keep after nested split you type

$6,606.40

Illustration only: $400k × 3% side − 10% referral − 6% franchise − 70% you-keep − $500 desk. You type every %. Not NAR. Not /commission.

GCI

$12,000.00

After franchise

$10,152.00

Keep

$6,606.40

Sale $

Listing-side % (illustration 3% you type — not a 3% rule, not NAR)

Referral % of GCI (illustration 10% you type)

Franchise % after referral (illustration 6% of remaining you type)

You-keep % after franchise (illustration 70% you type — broker takes the rest)

Desk / E&O $ (illustration $500 you type)

Tax buffer $ (you type — not a tax engine)

Without JavaScript (illustration — you type every %): $400,000 × 3% = GCI $12,000. Referral 10% = $1,200. Franchise 6% of remaining = $648. Agent 70% → broker $3,045.60. Desk $500. KEEP $6,606.40. Not NAR. Not /commission. Planning only.

2 more plannersGCI before splits. After franchise, before broker split.

GCI

sale × listing-side %. Illustration 3% you type — not NAR.

$12,000.00

$400,000 × 3% illustration = $12,000 GCI on first paint.

After franchise, before you-keep

After referral, then × (1 − franchise%). Broker split is next.

$10,152.00

$12,000 − $1,200 referral − $648 franchise = $10,152. Then × 70% − $500 desk → $6,606.40.

Worked example · no click required

Illustration $400,000 → $6,606.40 keep (you type every %)

Illustration only. You type every percent. Nested: KEEP = sale × side_share − referral − franchise − broker − desk − tax_buffer. Not NAR. Not /commission.

Sale = $400,000 · listing-side = 3% illustration you type
GCI = 3% of sale (illustration) = $12,000.00
Referral 10% (illustration) = $1,200 → remaining $10,800
Franchise 6% of remaining (illustration) = $648 → remaining $10,152
Agent keeps 70% (illustration) = $7,106.40; broker $3,045.60
Desk $500 (illustration) · tax $0
KEEP = $6,606.40

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The formula — nested, you type every percent

Illustration formula (you type every %): KEEP = sale × side_share − referral − franchise − broker − desk − tax_buffer.
GCI = sale × (listing-side % ÷ 100)
referral$ = GCI × (referral % ÷ 100)
franchise$ = (GCI − referral$) × (franchise % ÷ 100)
broker$ = (GCI − referral$ − franchise$) × (1 − you-keep % ÷ 100)
KEEP = GCI − referral$ − franchise$ − broker$ − desk − tax_buffer

Every percent is illustration / you type — not a 3% rule, not NAR. This is not /commission.

What this page is not

No NAR 3% mill. Illustration only — you type every %.
Mortgage/insurance leads skipped. AceableAgent unverified — skipped.
Not affiliated. Confirm on your broker agreement. Not a 50-state tax engine.

Sources

Percents are yours to type from your listing agreement and broker split. No invented NAR table. FreshBooks / Bonsai / Wise untracked after the number.

FAQ

What is keep on the $400,000 illustration (you type every %)?

Illustration only — you type every %. $400k sale, 3% of sale as side GCI = $12,000; referral 10% = $1,200; franchise 6% of remaining = $648; agent keeps 70% → broker $3,045.60; desk $500; tax $0 → KEEP $6,606.40. Formula: KEEP = sale × side_share − referral − franchise − broker − desk − tax_buffer. Not NAR. Not /commission.

Is this NAR 3%?

No. Every percent is illustration / you type. First paint uses 3% of sale as side GCI so a number shows — not a 3% rule, not NAR.

How is this different from /commission?

/commission is sale × one share. This URL is nested illustration: KEEP = sale × side_share − referral − franchise − broker − desk − tax_buffer. You type every %.

Mortgage leads? AceableAgent?

Skip mortgage/insurance leads. AceableAgent unverified — skipped. FreshBooks/Bonsai/Wise untracked after the number. Not affiliated.

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