Last updated: November 4, 2026 · By Leo Robles, founder of Let's Grow Movement, brokered by eXp Realty
Short answer: If you are on a 100% commission plan, eXp is worth it only when its total yearly cost at your deal count, plus what you get for it, beats what you pay now. At eXp you pay a 20% split until a $16,000 annual cap and then keep 100% of your commission for the rest of your anniversary year, with per-deal and monthly fees, and you also get access to optional revenue share, stock awards, training and your sponsor's community, so compare the full yearly total, not the split percentage.
"I'm already at 100%" is one of the most common reasons agents give for not looking at eXp. It's a fair point, and the honest answer depends on your numbers. Below: what each model really charges, a worksheet to compare your plan with eXp line by line, what eXp costs at different deal counts, what you get beyond the split, and who should probably stay put. For every guide, start at the Let's Grow Hub.
A 100% commission plan means the brokerage doesn't take a percentage of your commission. It doesn't mean the brokerage is free. Most plans charge in other ways, such as a fee per deal, a monthly or annual fee, desk or office fees, E&O or risk fees, or technology fees. And you pay for your own training, coaching and tools.
eXp works the other way around: a percentage until you cap, then mostly flat per-deal fees. That's why the only fair comparison is your total yearly cost on both sides.
| eXp fee (U.S.) | Amount | When you pay it |
|---|---|---|
| Commission split | 80% to you, 20% to eXp | On every deal until you reach the cap |
| Annual cap | $16,000 | Once you have paid $16,000 in split in your anniversary year, you keep 100% of your commission for the rest of that year |
| Post-cap fee | $250 per deal for your next 20 deals, then $75 per deal | On deals after you cap |
| Broker review fee | $25 per deal | On every deal (confirm with your sponsor how it applies after you cap) |
| Risk management fee | $60 per deal, capped at $750 a year | On every deal until you have paid $750 for the year |
| Monthly fee | $85 a month (cloud brokerage fee) | Every month |
| Start-up fee | $149 one time | When you join |
| Revenue share program | $0 to take part | Optional |
See every fee worked out in eXp cap math by deal count and eXp Realty fees and cap.
Fill in the middle column from your current plan or your last 12 months of statements. Use the same deal count and average commission on both sides.
| Cost line | Your current 100% plan (fill in) | eXp |
|---|---|---|
| Split or percentage | $____ | 20% until the $16,000 cap, then 0% |
| Per-deal fees | $____ per deal | $25 broker review, $60 risk (max $750 a year), and after cap $250 per deal for 20 deals, then $75 |
| Monthly or annual fees | $____ | $85 a month ($1,020 a year) |
| Desk, office or E&O fees | $____ | Ask your sponsor what applies in your state |
| Training and coaching you pay for yourself | $____ | eXp University training is open to eXp agents; LGM's Monday Power Up is free |
| Total for the year | $____ | See the table below for your deal count |
Then add the part a cost table can't show: the training you would actually use, the people you would work alongside every week, and whether optional revenue share or stock matters to you.
Example assumption: an average gross commission of $10,000 per deal, a full year after your first. This is an example, not a typical or promised result. Swap in your own average.
| Deals a year | When you cap | Total yearly cost at eXp | Share of gross commission |
|---|---|---|---|
| 6 | Not reached | $13,530 | 22.6% |
| 12 | Deal 8 | $19,040 | 15.9% |
| 24 | Deal 8 | $22,370 | 9.3% |
| 40 | Deal 8 | $24,670 | 6.2% |
The pattern: before you cap, the 20% split is the biggest line. After you cap, each extra deal adds only a per-deal fee, so your yearly cost grows slowly. In your first year, add $64 (the $149 start-up fee minus the first month it covers). The full math for each row is in eXp cap math by deal count.
Staying put can be the right call. It probably is if:
eXp is more likely to make sense if you close enough to cap and value what comes with it, you want regular live training and AI help, or you want the option of revenue share and stock without being pushed to recruit. If you're worried about your brand, read can you switch brokerages without losing your brand.
Leo Robles is the founder of Let's Grow Movement, brokered by eXp Realty, and is known to many agents as Mr. AI. He has about 20 years in sales and real estate leadership and has helped hundreds of families avoid foreclosure. Today he leads a large, active agent community, runs the free Monday Power Up and coaches agents on using AI in their business. Learn more at leorobles.ai.
LGM is a large, active agent community, and there is no fee to join Let's Grow Movement.
Leo's Google Business Profile shows a 5.0 rating from 187 reviews (checked Oct 24, 2026). A few, quoted as written:
“Leo is an exceptional leader and true innovator in real estate. He’s always finding creative ways to help agents grow.”
— Jaqueline P., Google review
“His knowledge of marketing, AI tools, and real estate growth strategies is next level.”
— Veronica H., Google review
“Thank you, Leo, for all the valuable information and support you’ve brought to this community!”
— Alvaro L., Google review
“I’ve learned so much valuable information from him — not just about real estate and business, but also about how to think bigger and operate at a higher level.”
— Kinana A., Google review
Join eXp only if the total yearly cost at your deal count makes sense to you and you will actually use what comes with it. At eXp you pay a 20% split until a $16,000 annual cap, then keep 100% of your commission for the rest of your anniversary year, plus per-deal and monthly fees. On top of that you get access to optional revenue share, stock awards, eXp University training and the support of your sponsor's community. If you won't use any of that and your current plan costs less all-in, staying where you are may be the right call.
Not from your first deal. eXp starts on an 80/20 split, and once you have paid the $16,000 cap in your anniversary year you keep 100% of your commission for the rest of that year, still subject to per-deal fees: $250 per deal for your next 20 deals, then $75 per deal, plus the $25 broker review fee.
Add up everything your current plan costs you in a year: per-deal fees, monthly or annual fees, desk or office fees, E&O or risk fees, technology and anything you pay for training or coaching. Then compare it to eXp's yearly cost at the same deal count and average commission. Compare the totals, not the split percentage.
At an example average gross commission of $10,000 per deal, 12 deals at eXp cost $19,040 for a full year: $16,000 in split (you cap on deal 8), $1,000 in post-cap fees, $300 in broker review fees, $720 in risk management fees and $1,020 in monthly fees. This is an example, not a typical or promised result.
No. Recruiting and revenue share are optional. eXp's own income page says the median revenue share for a typical agent is $0, so judge eXp on your own sales and the support you will use, not on revenue share.
Yes. eXp is a cloud brokerage, and its $85 monthly fee is called the cloud brokerage fee. If you want a desk and in-person support, ask your sponsor which local meetups or live sessions you can attend before you decide.
No. eXp's split, cap and company fees are the same for every eXp agent no matter who sponsors you. Some teams inside eXp have their own splits, and team caps vary by team, so ask your sponsor for any team terms in writing.
No. Joining Let's Grow Movement costs nothing, and the Monday Power Up training is free. You can book a free discovery call with Leo Robles to run your own numbers.
Sources checked Nov 4, 2026: eXp Realty's income disclosure page (exprealty.com/income) for the 80/20 split, $16,000 cap, 100% after cap, $149 start-up, $85 monthly cloud brokerage fee, $25 broker review fee, revenue share program, median revenue share and stock awards; eXp's join page (exprealty.com/join-exp) for the daily 11 AM PT eXp Explained session; eXp Realty Growth's YouTube channel for the eXp Explained video. The risk management ($60 per deal, capped at $750 a year) and post-cap fee figures and all Let's Grow Movement details are from Leo Robles. Leo Robles's Google Business Profile reviews were collected Oct 24, 2026. This page is general information and not a promise of income. Policies and fees change, so confirm current details with your sponsor before you decide.