Everyone says set aside 30%.
For most commission earners, it’s wrong.
Run your actual 2026 number. Takes 30 seconds, no signup.
MLS and board dues, desk and franchise fees, marketing and photography, mileage, signage, CE and licensing, E&O insurance.
17.1%
of every commission check — that’s $1,714 out of a $10,000 check.
You're over-reserving
The 30% rule would have you holding $25,500. Your estimated 2026 tax is about $14,573.
$10,927
more than you need, sitting idle all year.
How that breaks down
Your next estimated payment is due September 15, 2026 — about $3,643 on Form 1040-ES.
Estimate only — this is not tax advice. This calculator models a sole proprietor filing Schedule C who takes the standard deduction, with no employees, no dependants and no credits. It does not account for a spouse’s income, other jobs, retirement contributions, health insurance premiums, local taxes, or anything else specific to you. State figures are approximate effective rates, not state returns. Rules change. Confirm anything important with your own tax professional before filing or making a payment.
Want the quarterly breakdown?
I’ll send you what to pay on each 2026 due date, plus a deduction checklist built for your business.