The Split Reality Check

The split is one line. Your cost is the whole page.

Model the money your current brokerage keeps, the fees that sit outside the split and an editable REAL scenario at your own transaction volume.

Build the comparison Compare more than cost

Annual model

Put the whole arrangement on one screen.

Use the production you reasonably expect over the next 12 months. If your current plan has no cap, leave the cap at zero.

Your actual inputs

Current model + REAL model

Nothing is transmitted while you calculate.

Production and current brokerage inputs

Transactions · next 12 months

Average GCI per transaction

Current brokerage share

Franchise or royalty

Current annual split cap

Enter 0 if there is no cap.

Already paid toward current cap

Monthly desk, tech + admin

Other fee per transaction

Edit the REAL assumptions ＋

REAL cap remaining

Annual fixed brokerage/risk fees

CBR / per-transaction fee

Post-cap sale transaction fee

Default shown is the current sale-transaction assumption. If your mix includes leases or other transaction types, replace it with an appropriate assumption.

Defaults reflect public Canadian fee information current to September 2026. The simplified model does not automatically apply minimum-split or capping-transaction rules, lease-specific fees, Elite reductions or team-specific treatment. Replace every assumption with your current written schedule.

Your annual comparison

What the models keep

Estimated annual difference$0Directional cost difference, before tax and optional programs.

Current-model cost: $0
Modelled REAL cost: $0
Modelled REAL effective keep: 0%
Difference per transaction: $0
Five-year direction · no growth: $0
Estimated crossover volume: —

How the model works ＋

The current split is limited by the remaining current cap, while franchise/royalty, monthly and per-transaction fees continue. The REAL side applies 15% per transaction until the entered remaining cap is reached, then uses the entered post-cap fee for later transactions, plus annual and per-deal fees. This simplified arithmetic does not automatically apply minimum-split or capping-transaction rules, lease-specific fees, Elite reductions or team-specific treatment. The five-year direction repeats the entered production and fees, counts the join fee only in year one and assumes no growth, fee change, stock value, revenue share or tax effect.

What the number misses

Cheaper can still be expensive if the fit is wrong.

Do not subtract meaningful support simply because it is hard to value. Price the replacement honestly.

Leads + infrastructure

If the current brokerage supplies profitable leads, listing support, coordination, space or staff, attach a fair replacement cost before calling the difference savings.

Time + friction

A system that saves hours is worth money. A system that creates duplicate work is also a cost, even when the subscription is included.

Optional upside

Revenue share, stock programs and future appreciation are excluded here. Evaluate them separately because eligibility and outcomes are not guaranteed.

Pressure-test it with Anna

The calculator shows arithmetic. It does not know your business.

If you submit this form, Anna receives the result summary and can help identify missing costs, support you would need to replace and questions worth taking back to your current brokerage.

Send the comparison

Cost is only one fit test

Now ask whether the platform solves the right problem.

The Brokerage Fit Audit looks at support, technology, brand, network and whether the model helps you build an asset.

Take the Brokerage Fit Audit