BMBrokerMargin
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This is a made-up 12-agent brokerage. Four of its desks cost more than they bring in — and its GCI report would show every one of those agents producing.

Gross commission hides it. Once the rent, staff and software are shared out per agent, and each agent's split is applied, the picture changes. Three of those four turn out to be fine — new, capped, or quietly paying their way. For the other one, the figures don't explain themselves — which is a question, not a verdict.

Industry-wide, median brokerage gross margin fell from 19.07% to 18.14% last year, and median EBITDA was just 1.68% (AccountTECH, 157 firms, February 2026).

Change any number to see how it moves. Nothing you type leaves your browser, and nothing is saved.

Results

See exactly how your brokerage makes (or loses) money.

Allocation method

How overhead gets spread across your agents. This choice changes who looks profitable, so it's deliberate rather than a hidden default.

Overhead divided equally across all agents.

NET PROFIT
$10,825
▲ $1,721 13.4% of production
Production (GCI)
$80,500
▲ $9,240
Broker keeps
$22,825
▲ $2,451
Overhead
$12,000
No change
Active agents
12
6 profitable · 2 thin · 4 red
Run rate at this pace
$129,900 /yr
Not a forecast — this month × 12.

The shape of your roster

Net profit per desk after overhead is allocated and splits are applied. 8 desks are above the line — 2 of them only just. 4 desks sit below it.

ProfitableThin marginLosing money
$2,750
$2,750Brian
$2,600
$2,600Alice
$2,600
$2,600Carla
$1,850
$1,850David
$1,400
$1,400Elena
$1,275
$1,275Frank
$750
$750Grace
$200
$200Henry
($200)
($200)Isabel
($600)
($600)Jack
($800)
($800)Liam
($1,000)
($1,000)Karen

Where the money goes

How this month's production becomes what the brokerage actually keeps. Widths are to scale.

Production (GCI)
$80,500
$57,675Paid to agents71.6%$12,000Overhead14.9%$10,825Net profit kept13.4%

Of $80,500 in production, $22,825 is the company dollar; after $12,000 of overhead, $10,825 is real profit — 13.4% of production.

Profit up

Brokerage profit rose $1,721 (20.5%).

Concentration

Top 3 desks generate 59% of profit (was 60%).

1 still in red

Karen Novak's desk has been in the red 6 months running.

Filters

Tier

Columns

Show columns

TrendStatus
Brian KimSenior$15,000$3,750$1,000
$2,750
18.3%Profitable
Alice JohnsonSenior$18,000$3,600$1,000
$2,600
14.4%Profitable
Carla MendesStandard$12,000$3,600$1,000
$2,600
21.7%Profitable
David ChenStandard$9,500$2,850$1,000
$1,850
19.5%Profitable
Elena PetrovaStandard$8,000$2,400$1,000
$1,400
17.5%Profitable
Frank RuizStandard$6,500$2,275$1,000
$1,275
19.6%Profitable
Grace LinStandard$5,000$1,750$1,000
$750
15.0%Thin margin
Henry OseiNew$3,000$1,200$1,000
$200
6.7%Thin margin
Isabel CruzNew$2,000$800$1,000
($200)
-10.0%Losing money
Jack ThompsonNew$1,000$400$1,000
($600)
-60.0%Losing money
Liam O'BrienNew$500$200$1,000
($800)
-160.0%Losing money
Karen NovakNew$0$0$1,000
($1,000)
—Losing money
Total$80,500$22,825$12,000$10,82513.4%

Net profit = broker keeps (GCI × the brokerage's split) − overhead allocated. All figures are allocated financial results only, not a performance evaluation.

Model a different split

Test new splits or terms before you offer them.

Open What-if

Overhead reconciliation

✓ Allocations reconcile to $12,000 — every dollar accounted for.