Commission split calculator
Split the commission on a policy between the advisor, a mentor and the agency. Enter the gross commission — or the premium and the gross rate — set the shares, and see what each side receives. Free, no sign-up, nothing leaves your browser.
The agency keeps whatever is left after the advisor and mentor shares. Set the mentor share to 0 where there is no mentor.
The person who wrote the policy
Optional share for the advisor's mentor
Remaining share kept by the agency
Apply these splits to a whole team automatically
In Commission Clarity the advisor, mentor and agency shares are stored per commission rule, so every policy is split as it arrives. Each advisor sees only their own part; the agency admin sees the whole team or one selected advisor.
How to set up a split that holds up
- Agree the gross commission source first — insurer, product and rate.
- Write the split per commission rule, not per person, because rates differ by product.
- Decide whether the mentor share is fixed or reduces as the advisor becomes independent.
- Agree how clawbacks are shared: normally in the same proportions as the original payment.
- Store every change with a start date, so past settlements can still be reproduced.
Frequently asked questions
How do you calculate a commission split?
Start from the gross commission the insurer pays on the policy. Apply each participant's percentage of that gross amount. The percentages of the advisor, any mentor and the agency must add up to 100%, otherwise part of the commission is unallocated.
How does a mentor share work?
A mentor share is a fixed percentage of the gross commission paid to the experienced advisor who supports the person who wrote the policy. It is taken from the same gross amount, so the agency share is whatever remains after the advisor and mentor shares.
Should the split be the same for every insurer and product?
Rarely. Gross commission rates differ per insurer and product, so most agencies set the split per commission rule rather than once per person. Commission Clarity supports a separate advisor, mentor and agency share for every commission rule.
Is the split calculated before or after clawbacks?
Follow whatever the agency agreement says, and apply it consistently. Where a policy is cancelled inside the clawback period, the reversal is normally shared in the same proportions as the original payment.
Is this split calculator free?
Yes. It is free, needs no sign-up, and nothing is sent anywhere — the calculation runs in your browser.
Can the split be applied to a whole book automatically?
Yes, inside Commission Clarity. Shares are stored per commission rule and per team member, so every policy is split automatically and each advisor sees only their own part.