Most agents know their split. Far fewer know exactly when they'll cap, what changes the second they do, or how much money they're leaving behind by staying at the wrong brokerage. This is the month-by-month breakdown, with real math.
The Setup: Two Agents, Two Plans
Two agents. Both licensed, both productive, both tired of watching a chunk of every commission disappear before it hits their account.
Agent A is on simpliPRENEUR. She closes around 18 transactions a year at an average sale price of $350,000, earning a 2.5% buyer-side commission. That's $8,750 per transaction in gross commission.
Agent B is on simpliSHARE. He closes 30 transactions a year at an average sale price of $450,000, same 2.5% rate. That's $11,250 per transaction.
Both start on an 85/15 split from day one. Both pay a $99/month platform fee and a 0.1% broker fee per transaction ($199 minimum, $399 maximum). The annual cap resets on their join date — not January 1.
Agent A on simpliPRENEUR: Month-by-Month to Cap
Month 1 — July 2026
Agent A closes her first deal. The brokerage takes 15% of $8,750, which is $1,312.50. She keeps $7,437.50 before the broker fee. The 0.1% broker fee on a $350,000 sale comes to $350 — above the $199 floor, below the $399 ceiling — so she pays $350. Net to her: roughly $7,087.
Running cap tally: $1,312.50 toward her $7,500 annual cap.
Months 2 and 3 — August and September 2026
Two more closings. Each one adds another $1,312.50 to the cap.
Running cap tally: $3,937.50.
Months 4 and 5 — October and November 2026
Two more deals. Another $2,625 toward the cap.
Running cap tally: $6,562.50. She's $937.50 away.
Month 6 — December 2026
She closes deal number six. The brokerage takes its 15% until the cap is hit — $937.50 — and she keeps the remaining $375 of that slice plus her full 85% base. She caps mid-transaction.
The moment she hits $7,500 paid to the brokerage, the split disappears entirely.
From deal six forward, she keeps 100% of every commission dollar for the rest of her anniversary year. The $99/month platform fee continues unless she's on the optional 2-year commitment, but the 15% is gone.
She also receives 250 equity units at cap — her first grant of pre-IPO equity in simpliHOM.
Months 7 Through 12 — January Through June 2027
She closes 12 more transactions at $8,750 each. Every dollar goes to her. That's $105,000 in gross commission at 100%, minus broker fees of roughly $350 per deal.
Now compare that to staying somewhere she never caps. At eXp's 20% split, she'd hand over $2,100 on each of those 12 deals — $25,200 gone. At REAL Broker's 15% split with a $12,000 cap, she caps later in the year and pays more before hitting zero-split territory. At Keller Williams, with a 36% split and a cap ranging from $22,000 to $35,000 depending on her market center, she might not cap at all.
The gap is real. The math is not subtle.
Agent B on simpliSHARE: Scaling to a Higher Cap
Agent B closes at $11,250 per transaction. His cap is $15,000 on the standard simpliSHARE plan.
Each closing contributes $1,687.50 to his cap — 15% of $11,250.
He caps after 9 transactions, which at his pace takes roughly 3.5 months.
From transaction 10 forward, he keeps 100% of commission for the remaining 8.5 months of his anniversary year. That's 21 more closings at $11,250 each — $236,250 in gross commission at zero split.
When he caps, he receives 1,000 RSUs plus a $15,000 Convertible Bonus Certificate. Every year he caps, that grant resets. Not a one-time bonus. A repeating equity event tied directly to his production.
simpliSHARE also includes daily coaching through Bill Pipes via G3 Nation, digital billboards, custom branded sign panels, and a 7-level revenue share program. Comparable standalone coaching programs charge thousands per month. Here it's built into the plan.
The Competitor Gap in Plain Numbers
Here's what Agent A keeps over a full year at each brokerage — 18 transactions, $8,750 GCI each, $157,500 total GCI:
| Brokerage | Split | Annual Cap | Estimated Agent Take-Home |
|---|---|---|---|
| simpliPRENEUR | 85/15 | $7,500 | ~$150,000+ after capping in month 6 |
| REAL Broker | 85/15 | $12,000 | ~$145,500 (caps later, more paid before 100%) |
| eXp Realty | 80/20 | $16,000 | ~$141,500 (higher split, higher cap) |
| Keller Williams | 64/36 | $22,000–$35,000 | ~$122,000–$135,000 (may not cap at all) |
These are directional estimates based on published split and cap structures. Your actual numbers depend on transaction volume, average sale price, and where you fall in your anniversary year. Run your own figures to see the exact difference.
The point isn't that the gap is small. It isn't.
What the 2-Year Commitment Changes
If Agent A commits to a 2-year term, her monthly fee drops to zero and her simpliPRENEUR cap lowers to $7,000. She saves $1,188 per year in platform costs alone and caps slightly faster. The math tilts further in her direction.
Agent B's simpliSHARE cap drops to $14,000 on the 2-year term, and his monthly fee disappears too. On top of the equity grants, that's a meaningful shift in annual take-home.
The 2-year commitment is optional and available to any simpliPRENEUR or simpliSHARE agent. You don't need to be a top producer to access it.
The Tools Running in the Background
While both agents are closing deals and building toward cap, that $99/month is covering a full stack: Lofty CRM with IDX site, Dotloop Premium, ShowingTime+, AI virtual staging, AI headshots, AI marketing tools, automated testimonials, and free transaction coordination on every deal.
That last one matters more than most agents expect. Free transaction coordination saves an estimated 15 or more hours per deal. At 18 transactions a year, that's 270-plus hours returned to Agent A — hours she can spend prospecting, closing, or not working on a Saturday.
Run Your Own Numbers
The examples above use specific averages to make the math concrete. Your average sale price, commission rate, and closing pace will shift the exact cap date. But the structure stays the same: 85/15 from transaction one, a defined cap, then 100% for the rest of your anniversary year.
The fastest way to see your personal number is to run it through the Wealth Calculator. Plug in your GCI, your current split, and your transaction count. The calculator shows you what you're keeping now versus what you'd keep here.
If the gap is small, you'll know. If it isn't, you'll know that too.
FAQs
When does the cap reset? On your anniversary date — the date you joined simpliHOM. Not January 1. Your cap year is personal to you, not tied to the calendar.
What happens to the $99/month fee after I cap? It continues unless you're on the optional 2-year commitment, which waives it entirely. Capping removes the 15% split. The monthly fee and per-transaction broker fee are separate line items.
What are the 250 equity units I receive when I cap simpliPRENEUR? Pre-IPO equity units in simpliHOM, granted when you hit your annual cap. This is not publicly traded stock. simpliSHARE agents receive 1,000 RSUs plus a $15,000 Convertible Bonus Certificate each year they cap.
Is the 2-year commitment available to all agents? Yes. Any simpliPRENEUR or simpliSHARE agent can opt in. It waives the $99/month fee and lowers the applicable cap. ACE status is not required.
What is the ACE Agent tier? ACE unlocks after you cap simpliSHARE and close 25 transactions or hit $500,000 in GCI. ACE agents pay a flat $199 per closing instead of the standard 0.1% broker fee, receive additional RSU grants, and earn ancillary profit share from title and mortgage.
How does simpliHOM's cap compare to eXp and REAL Broker? simpliPRENEUR caps at $7,500. REAL Broker caps at $12,000. eXp caps at $16,000. Keller Williams caps range from $22,000 to $35,000 depending on market center. All figures are based on published plan structures as of 2026.
How quickly can I get started? Most agents are fully operational within 48 to 72 hours of joining. Onboarding runs through the HOMhq platform.