Commission calculator for insurance agents
Work out first-year and renewal commission on any policy — life, health or general insurance. Enter the premium and your rates to see the commission per year, the payout schedule and the total over the term. Free, no sign-up, nothing leaves your browser.
1–25 years
Leave empty for the whole term
| Year | Rate | Commission | Cumulative |
|---|---|---|---|
| 1 | 40% | €720.00 | €720.00 |
| 2 | 5% | €90.00 | €810.00 |
| 3 | 5% | €90.00 | €900.00 |
| 4 | 5% | €90.00 | €990.00 |
| 5 | 5% | €90.00 | €1,080.00 |
| 6 | 5% | €90.00 | €1,170.00 |
| 7 | 5% | €90.00 | €1,260.00 |
| 8 | 5% | €90.00 | €1,350.00 |
| 9 | 5% | €90.00 | €1,440.00 |
| 10 | 5% | €90.00 | €1,530.00 |
Want this calculated automatically for every policy?
Commission Clarity matches expected commissions with your actual payments and flags every discrepancy — straight from your Google Sheets data.
How to calculate commission on a policy
- Choose the structure: first-year plus renewals, or a level rate paid every year.
- Decide the basis: a monthly premium, or the total premium expected over the whole term — long-term life and health products usually use the total.
- Enter your rates. For your own share of a split, enter your share rather than the gross rate.
- Set the policy term and, if commission is paid over fewer years, the payout years.
Frequently asked questions
How do I calculate insurance commission?
Multiply the premium the commission is based on by your commission rate. For a first-year plus renewals structure, apply the first-year percentage to the first year and the renewal percentage to every following year the policy stays in force, then add the years together. The calculator above does both, on a monthly or a total premium basis.
How does a life insurance commission calculator work?
Long-term products usually pay a higher percentage in the first year and a smaller renewal percentage afterwards, and the commission is often based on the premium expected over the whole term rather than one month. Switch the basis to total premium, enter the term and the payout years, and the yearly breakdown shows what should arrive and when.
Can I use this as a commission split calculator?
Yes, for the simple case: enter your own share of the rate rather than the gross rate, and the result is your part of the commission. Where an agency splits between advisor, mentor and agency per product, per-rule splits are handled inside Commission Clarity rather than in this calculator.
What is a renewal commission?
A renewal commission is the smaller percentage paid on premiums after the first policy year. It rewards keeping policies in force and often makes up the bulk of a long-term book of business.
Is this commission calculator free?
Yes. It is free, needs no sign-up, and there is no limit on how many policies you calculate.
Does this calculator store my data?
No. Everything is calculated in your browser and nothing is sent anywhere. If you want commission calculated automatically for every policy and matched against your real payments, Commission Clarity does that from your Google Sheets data.