Real Estate Commission Calculator — Canada
Find out exactly what you take home from a deal after your brokerage split, transaction fees, and estimated taxes.
On a typical Canadian real estate deal, agents keep roughly 40–60% of the gross commission after splits, fees, and taxes.
Per-Deal Commission Calculator
Estimate based on 2025 Canadian rates
Your estimated take-home from this deal:
$5,415
after brokerage split, fees, HST, and estimated income tax
That's 43% of your gross commission — the rest goes to your brokerage, the CRA, and fees.
Gross Commission
$12,500
After Brokerage Split
$10,000
After Transaction Fees
$9,500
View full breakdown
Income tax estimate uses a ~30% blended rate. Your actual rate depends on your total annual income. For a precise estimate based on your province and income level, use our tax calculator.
How real estate commission works in Canada
The total commission on a Canadian real estate transaction is typically 3–5% of the sale price, split between the buyer's and seller's agents. Each agent's side is usually 2–2.5%.
But that's the gross number. Before an agent sees any of it, the brokerage takes their split — anywhere from 5% to 50% depending on your agreement. Then come per-deal transaction fees, desk fees, and E&O insurance. After that, the CRA wants their share: HST/GST on the commission itself, plus income tax on what's left.
The result? A $500,000 sale at 2.5% commission sounds like $12,500 — but after splits and taxes, many agents take home less than $6,000.
What affects your take-home
- 1. Commission rate — Varies by market, brokerage, and negotiation with clients. Buyer-side rates are evolving as transparency rules change.
- 2. Brokerage split — Could be a flat desk fee, a percentage split (70/30, 80/20, etc.), or a cap-based model where you keep 100% after hitting a threshold.
- 3. Transaction fees — Many brokerages charge $200–$800 per deal on top of the split. Some also charge technology or admin fees.
- 4. HST/GST — You must collect and remit HST/GST once your gross revenue exceeds $30,000. In Ontario that's 13%; in the Maritimes, 15%; in Alberta, 5%.
- 5. Income tax — Federal plus provincial, calculated on your net self-employment income. Rates vary significantly by province and total annual income.
Frequently asked questions
What is the average real estate commission in Canada?
Total commission typically ranges from 3% to 5% of the sale price, split between the buyer's and seller's agents. Each agent's side is usually 2% to 2.5%. The exact rate varies by market, brokerage, and negotiation with the client.
Do I have to pay HST on my commission?
If your gross revenue exceeds $30,000 over four consecutive calendar quarters, you must register for and collect HST/GST. In Ontario that's 13%, in the Maritimes 15%, and in GST-only provinces like Alberta it's 5%. Most active agents exceed this threshold quickly.
How much does a real estate agent actually keep per deal?
After brokerage splits, transaction fees, HST/GST, and income tax, most Canadian real estate agents take home roughly 40% to 60% of their gross commission. On a $500,000 sale at 2.5% commission, that means keeping approximately $5,000 to $7,500 of the $12,500 gross.
What are typical brokerage split structures in Canada?
Canadian brokerages typically use one of three models: percentage splits (e.g., 70/30 or 80/20 in the agent's favour), flat desk fees (a fixed monthly fee and you keep 100% of commission), or cap-based models (you pay a split until reaching a cap, then keep 100%). New agents often start at lower splits like 50/50 or 60/40.
More resources for Canadian agents
Disclaimer: This calculator provides estimates for educational purposes only and does not constitute tax, legal, or financial advice. Commission structures, tax rates, and fees vary based on individual circumstances. Consult a qualified accountant or tax professional for advice specific to your situation. Agent Runway assumes no liability for financial decisions based on these estimates.
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