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Take-Home Calculator

See what fees are really costing you.

Move the sliders to match your year — split, cap, monthly and tech fees, transaction fees, royalty, corporate-lead referrals. You'll see the bottom line both ways: your NET where you are, and your NET at Bear Team's $16,000 anniversary-year cap with $0 monthly fees.

Your production today
8
$415,000
3%
What you pay today
70%
No cap
If your brokerage caps what it keeps each year, set it here. Watch the reset date: many big-box caps run on a fixed year \u2014 join or produce late in that year and you can pay toward two caps in your first 12 months.
$100
Desk / office fees billed monthly (not tech — that's next).
$85
CRM / platform fee — commonly billed separately (e.g. ~$85/mo at big-box brands).
$300
Charged on each closing on top of your split. Check your ICA.
None
Off the top of GCI at franchise brands. Typical 5–8% — check your ICA.
None
Company-sourced leads usually carry a referral fee off the top.
$40
Bear Team covers E&O — enter what you pay now.
None
Your annual gross commission (GCI)
$99,600
What your current brokerage keeps
Split given up$29,880
Monthly fees (×12)$1,200
Technology fee (×12)$1,020
Transaction fees ($300 × 8)$2,400
E&O / risk fees (×12)$480
Total to brokerage / year$34,980
NET TO YOU$64,620
At Bear Team — same year, full math
Split given up — CAPPED at $16,000$16,000
Per closing ($150 × 8)$1,200
Monthly fees$0 — always
Technology fee$0
Franchise / royalty$0
Referral fee on office leads$0
E&O insuranceCovered*
Total to Bear Team / year (est.)$17,200
NET TO YOU$82,400
You hit the $16,000 cap — every closing after that is 100% yours, minus the $150.
Bottom line: +$17,780 more in your pocket in year one — and hitting the cap advances you to 70/30 for your next anniversary year.
Why the anniversary cap is huge: at brokerages where the cap resets on a fixed date, switching mid-year can mean paying toward two cap cycles in your first twelve months. Bear Team's $16,000 cap follows your twelve months from day one — no reset penalty for switching in June, September, or the week before Christmas.

Estimate models your first 12 months: 60/40 split with company dollar capped at $16,000 — after the cap, closings are 100% yours minus the $150 flat fee. Hitting the cap advances your tier (70/30 → 80/20 → 90/10) for the following year. Bear Team's cap runs on your personal anniversary year — it starts the day you join, not January 1, so every dollar counts toward the same climb no matter when you switch. Competitor fees vary by office and agreement; use your ICA's real numbers. MLS and board dues, license renewals, and lockbox fees are the same at any brokerage and excluded on both sides.

100+ leads/month

The math above doesn't count what the office gives back: Bear Team's pipeline has been generating 100+ seller leads a month, and agents claim them straight from the portal at zero referral fee — the same leads most brokerages route through a 25–40% referral program. Your lead, your commission.

*E&O insurance is provided under Bear Team Real Estate's office policy. Agents specializing in commercial or vacant-land transactions are required to carry individual E&O coverage for those transactions. Coverage is subject to policy terms, limits, and exclusions.

Get your exact take-home.

Scout calculates your real Bear Team net across the tier ladder. Or book a call with Tom Songer, Team Lead.

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