Insurance Commission Calculator

Commission is a percentage of the premium. The first year usually pays a higher rate, and later years pay a smaller renewal or trail rate. Total earnings from a policy are the first-year commission plus renewal commission for each remaining year of the term. This calculator adds both.

Rates are capped by regulation and differ by product line and insurer, so enter the rates that apply to your product. The calculator does not assume a rate for you, which keeps the result accurate for your situation.

No. It shows gross commission before GST and TDS. Your actual take-home will be lower after applicable taxes. See the GST and tax guide for agents for how these apply.

A product with a modest first-year rate but a steady renewal trail can out-earn a high upfront product over a long term. Looking at lifetime commission, not just the first year, helps you build stable recurring income.

Run it per policy to understand each product's economics. To manage commission across your whole book automatically, Polisync tracks commissions policy by policy inside the app.