InsuranceAgencyTools

Free Calculators for Agents & Agencies

The four numbers that decide whether an agency works

Commission across new business and renewals, book revenue at your actual retention rate, the true cost of acquiring a customer, and the revenue level at which the agency covers its fixed costs.

Open the Insurance Commission CalculatorBrowse all 4 tools

Insurance Commission Calculator

Calculate commission on new business and renewal premium, including bonuses and the agency split.

Your numbers

Results update as you type. Nothing is sent anywhere.

Result

Net commission

$58,065

Monthly average

$4,839

Gross commission
$79,000
From new business
$27,000
From renewals
$52,000
Bonus
$3,950
Agency share
$24,885
Blended commission rate
11.29%

Commission schedules differ by carrier, line of business and contract. Use the rates in your own agreement rather than the defaults.

This is a compensation calculation, not a projection of business you will write.

Read the full guide, worked examples and FAQ for this calculator →

Popular tools

The calculators visitors to InsuranceAgencyTools open most often.

Insurance agencies fail on arithmetic more often than on selling. A lead source that looks cheap per lead and is expensive per policy. A retention rate that quietly requires a hundred new policies a year just to stand still. A producer split that looks generous until the fixed costs are counted.

These four calculators cover the numbers that decide those questions. They work from your own figures - your rates, your retention, your conversion, your costs - because industry averages are not useful at the level where the decisions are made.

Browse by category

Agency & Producer

Commission, retention and pipeline maths for insurance professionals.

Why use InsuranceAgencyTools

Renewals separated from new business

New business pays a higher rate on a smaller base. Seeing the split shows how much of your income is already earned and how much has to be won again.

Retention modelled, not quoted

The projection shows the policies leaving each year and the new business required just to stand still - before any growth target is set.

Cost per policy, not cost per lead

A $12 lead converting at 2% costs more per policy than a $40 lead converting at 15%. The funnel makes that visible stage by stage.

Break-even revenue

Producer compensation is variable and almost everything else is not. The profit tool reports the revenue level where fixed costs are actually covered.

How it works

  1. Pull your real figures from your agency management system rather than estimating.
  2. Model compensation and book revenue to see where income actually comes from.
  3. Run the lead funnel for each source separately - averages hide the bad ones.
  4. Check the break-even before committing to a hire, a lease or a marketing programme.

Frequently asked questions

Are these tools specific to any carrier or contract?

No. They work from the rates, splits and bonus terms in your own agreement. Commission schedules differ by carrier, line and contract.

What is the highest-leverage number in an agency?

Retention, usually by a wide margin. Improving it costs a service call; replacing the lost policies costs marketing spend, quoting time and acquisition effort every year.

Should I judge a lead source on first-year commission?

It is the right starting point and not the whole picture. A source that breaks even in year one and retains well is a good source, because renewal commission arrives with no further acquisition cost.

Do these tools project business I will win?

No. They are compensation and planning calculations based on assumptions you supply. Nothing here forecasts market conditions or production.

Is my data stored anywhere?

No. Every calculation runs in your browser. Nothing about your book, your costs or your conversion rates is transmitted or saved.