Nettra. tax for real estate agents

Built by a CPA firm, for agents

Commission income is lumpy. Your tax bill shouldn't be a surprise.

Nettra tells you what to hold back from every closing, what to pay by the next deadline, and which expenses actually count — so April is a formality instead of a crisis.

  • No card to try the calculator
  • All 50 states plus DC
  • 2026 rates, updated every year

Why agents get burned

Nobody withholds anything from a commission check.

Your brokerage sends a 1099, not a W-2. There's no payroll department quietly setting money aside for you. Four times a year the IRS expects a payment, and the amount depends on your closings, your write-offs, your spouse's job and your state — which is exactly why "just save 30%" is wrong for most agents in both directions.

quarterly deadlines a year, with a penalty for each one you miss
15.3%self-employment tax on top of income tax, before a single deduction
20%QBI deduction most agents qualify for and a lot of them never claim

What you get

Three tools, one job: no surprises.

The calculator

Enter your closings and expenses so far. Get one percentage to move out of every check, the exact amount due at the next deadline, and a side-by-side of whether an S-corp would actually save you money at your income.

Handles your spouse's income, K-1s, investments, and all 50 states.

Open the calculator →

Ask a tax question

"Can I deduct the closing gift?" "Is my car better as mileage or actual?" Ask in plain English and get an answer grounded in the tax code, IRS guidance and court cases — with the citations shown, so you can check the work.

Never blogs or forums. Primary authority only.

Ask a question →

Books

Drop in your bank and card statements. Nettra reads them, sorts the business from the personal, and builds a profit-and-loss statement you can hand to your CPA — or push straight into the calculator.

Account numbers are masked in your browser before anything is sent.

See how Books works →

How it works

Three minutes, once a quarter.

Step 1

Enter your year so far

Commissions after your split, expenses, and anything already paid. Your spouse's income too, if you file jointly.

Step 2

Get your set-aside rate

One percentage to move out of every check into a tax account, plus exactly what to pay by the next due date.

Step 3

Check the S-corp math

See both ways side by side at a salary you pick. If an S-corp saves real money, a CPA can walk you through it.

Who built this

Built by a practicing CPA whose firm works with real estate agents every day. The math is the same worksheet we use for our own clients' quarterly estimates, rebuilt so you can run it yourself.

Tax tables are updated every year when the IRS and states publish new figures, due dates move automatically including weekend and holiday shifts, and the tax-law reference behind Ask is reviewed monthly.

Pricing

Free to find your number. Paid when you want the rest.

The calculator is free and always will be — it's the part that keeps you out of trouble. Ask and Books are for agents who want the write-off answers and the bookkeeping handled too.

See plans

Most agents start here

Free

  • Set-aside rate and quarterly amounts
  • Federal, self-employment and state tax
  • S-corp comparison at your income
  • Deadline reminders by email
Start now

Never miss a quarterly

Get your number before every due date.

A week before each IRS deadline we'll email you a reminder with a link back here, so you can plug in your latest closings and pay the right amount. Four emails a year, plus the occasional heads-up when a tax change affects agents.

Unsubscribe anytime. We never sell your email. See our privacy policy.

You're on the list. Your first reminder comes a week before the next due date.

Questions

Before you trust a number.

Is this tax advice?

No. It's an estimate for planning, built on current tax law and the numbers you enter. Your actual tax depends on details a calculator can't see. For advice on your situation, talk to a CPA.

Where do my numbers go?

The calculator runs entirely in your browser and doesn't save or send what you type. Ask and Books send your question or statement text to be processed and don't store it afterward; account numbers are masked before anything leaves your device. We only keep what you submit in a form, like your email for reminders.

Why is my set-aside rate lower than the 25–30% everyone says?

That rule of thumb ignores your deductions, the 20% QBI deduction, your state, and withholding from a spouse's job. Your rate can be well above or below it. That's the point of running your own numbers.

When does an S-corp make sense for an agent?

Usually once your profit is steady and high enough that the payroll tax saved beats the cost of running payroll and filing a separate return. The comparison in the calculator shows your break-even. The IRS requires a reasonable salary, so don't set it artificially low.

What if I miss a quarter?

The penalty is interest on the amount you were short, for the days you were short. Paying as soon as possible stops it growing. The calculator spreads what's left over the remaining due dates.

Can my accountant use this too?

Yes — Books exports a profit-and-loss statement and a year-to-date summary of what you've paid, which is exactly what your CPA needs at tax time. Send it over and skip the shoebox.

Find out what you actually owe.

Two minutes with your year-to-date numbers. Free, no account needed.

Run your number