— The calculation your broker hopes you never run.
Enter your production numbers below and see exactly how much of your earned commission is going to your broker every year — and what you could be keeping instead.
Adjust sliders to match your situation
Your gross commission on a typical transaction
Your average annual transaction count
What percentage of each commission you keep before cap
The total you must pay your broker to 'earn' 100%
Annual Breakdown
Your Gross Production
$96,000
You Keep at Current Broker
$79,200
You Are Giving Your Broker
$16,800per year
That is 18% of your gross production going to someone else's business.
With Texas Broker Sponsor™
$96,000gross retained
100% of your commission rate. A simple flat broker transaction fee applies per closed deal — details in your Independent Contractor Agreement.
Your Annual Savings
$16,800
Money that stays in your bank account.
5-Year Impact
$84,000
Retained over 5 years with TBS vs. your current broker.
You'd give your broker
$84,000
over the same 5 years.
20-Year Career
$336,000
The lifetime wealth gap between a franchise agent and an independent agent at the same production level.
"This is the money that could have gone to your family."
Ready to keep more of what you earn?
Join 1,000+ Texas agents who made the switch.
Calculator Disclaimer
This calculator applies to standard residential sales and purchase transactions only and is provided for illustrative purposes. Results are estimates based on the inputs provided and do not reflect specific TBS broker transaction fee amounts, which are detailed in your Independent Contractor Agreement and Broker Pricing Sheet Addendum.
Residential lease and rental transactions, non-standard residential deals, personal and affiliated transactions, waived or rebated commission transactions, and all commercial or portfolio transactions are governed separately and are not reflected in this calculator. Non-standard and commercial transactions require prior broker consultation and express written approval before commencement. Contact us for details.
Industry Education
This is not taught in real estate school.
Step 1
At most franchise brokerages, your cap resets on January 1st. You begin the year at your base split — often 70/30 or 80/20 — meaning your broker takes 20–30% of every commission you earn.
Step 2
You continue paying your broker their split percentage on every deal until the total amount paid reaches your annual cap — typically $12,000 to $20,000 depending on your brokerage.
Step 3
Once you hit your cap, you keep 100% for the rest of that year. But on January 1st, the clock resets. You start over at your worst split again — and the cycle repeats, every single year.
With Texas Broker Sponsor™, there is no cap to hit. There is no split to pay. There is no January reset. You keep 100% of your commission rate on every standard deal, from Day 1 of your first year to Day 1 of your last. A simple flat broker transaction fee applies per closed transaction — you only pay when you get paid.
In-depth breakdowns of the commission math, industry structures, and business models that most agents never encounter in real estate school — but that determine how much wealth they actually build.
01
What No One Teaches in Real Estate School
Most agents never calculate what they actually pay their broker over a career. The number is staggering — and it's money that could have gone to your family, your brand, or your own brokerage.
02
And How Does It Compare to a Commission Split?
Most agents have heard the term. Few understand exactly what it covers, why it exists, and how the math compares to giving your broker 20–30% of every commission check.
03
Why Most Agents Never Earn a Dime From Their Downline
Using official income disclosures from eXp Realty and Keller Williams, we break down the real statistics on revenue share participation, cap attainment, and agent production.
04
5 Statistics Every Texas Agent Needs to See Before Choosing a Broker
71% of agents. 29% of eXp agents. Less than 2% of KW agents. These numbers come from the brokerages' own documents — not from a competitor. Read the full breakdown with every source cited.
05
Which Model Is Right for Your Business?
Most agents don't know they can form their own LLC and operate it as a licensed Texas brokerage. This article breaks down every dimension of the comparison — brand ownership, commissions, asset protection, and team building.
06
What to Look For, What to Avoid, and How the Math Works
Everything a newly licensed or pre-license Texas agent needs to know before signing a sponsorship agreement — fee models, questions to ask, red flags, and a 10-point checklist.
07
The Annual Reset Nobody Explains at Orientation
Every January, cap-based brokerages reset your split to its worst rate. You pay until you hit the cap again — then the cycle repeats. This article breaks down exactly what that costs you over a career.
Articles are published as part of the Texas Broker Sponsor™ educational content series.
Visit texasbrokersponsor.com for more resources →Confidential Document
Our full transaction fee schedule and compensation structure are not published publicly. Serious agents may request the Broker Pricing Sheet Addendum by completing the form below. We verify all submissions before sending.
Your information is never sold or shared. Used solely to verify your license and deliver your pricing document.
The Original Since 2012
Over 1,000 Texas agents have already made the switch. The sponsorship fee is simple. The savings are real. The freedom is permanent.