Realtor Commission Budget Planner — Irregular Income

Commission income breaks normal budgets twice: the money arrives in lumps, and part of it was never really yours (broker split, taxes). This planner is realtor-native — not a generic freelancer sheet with the title changed. Commission Pipeline: every deal with Stage, Sale Price and Commission % — Gross Commission, Your Split (at your broker %, set once in Start Here), per-closing Tax Set-Aside and Net to You all calculate automatically; only Closed deals count toward your money totals. Baseline budgeting: the Monthly Budget plans from your bare-bones baseline month, not your best month, and flags red if planned spending doesn’t fit your worst month. Good-Month Waterfall on the Dashboard: when a month beats baseline, allocate the extra in order — buffer fund, catch-ups, highest-interest debt, tax pre-fund, guilt-free fun. Tax Reserve Tracker: set-aside auto-totals from the Pipeline per quarter vs what you actually paid, with a Still Held balance. Business expenses (MLS/board dues, marketing, E&O, fuel) sectioned separately from home categories. Dashboard shows best month vs lowest month net-to-you from your own closings. Six sample deals (Sept–Oct 2026) pre-filled so every formula works on open. Only Excel/Sheets-identical formulas, all IFERROR-wrapped; yellow input cells; formula cells locked (password: sheetdaily, in Start Here). Real .xlsx download. Planning tool only — not tax or financial advice; confirm your set-aside % with your accountant.