Free insurance commission calculators
Enter a premium and your commission rates to see how much a policy earns you in the first year, over renewals and in total. Free to use — no sign-up, no data 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.
Frequently asked questions
How do insurance agents earn commission?
Agents typically earn a percentage of the policy premium. Many products pay a higher first-year commission, followed by smaller renewal commissions for every year the policy stays active. Others pay a level commission — the same percentage every year.
What is a renewal commission?
A renewal commission is the smaller percentage paid on premiums after the first policy year. It rewards agents for keeping policies in force and often makes up the bulk of a long-term book of business.
Does this calculator store my data?
No. Everything is calculated in your browser and nothing is sent anywhere. If you want automatic commission tracking matched to your real payments, Commission Clarity does that from your Google Sheets data.