Commission income is lumpy. Your retirement shouldn’t be — for real estate agents.
Agents are 1099 with no employer benefits. Gigaverse tracks your showing mileage, estimates quarterly taxes on uneven commissions, and auto-saves a slice of every closing into a portable IRA.
Connects with the platforms you already use
Showing & open-house mileage
At the 2026 IRS standard mileage rate of $0.725/mi, business miles add up fast. Many gig drivers miss thousands in mileage deductions each year; Gigaverse auto-tracks every business mile so the write-off is there at tax time.
Smooth out lumpy commissions
Big closings followed by dry months wreck most agents’ savings habits. Gigaverse auto-saves a set percentage of each commission so retirement happens regardless of timing.
A retirement account you control
The PRActicle™ is a portable Roth IRA opened through a FINRA/SIPC-member broker-dealer that auto-invests a percentage of every payout. Contributions are post-tax, grow tax-free, and qualified withdrawals are tax-free. It follows you across every platform and client — no employer 401(k) required.
Quarterly taxes on variable income
As a 1099 agent you owe estimated taxes four times a year. Gigaverse recalculates each quarter based on your actual commissions and reminds you before the deadline.
Real Estate Agent questions, answered
What can real estate agents deduct?+
Business mileage at $0.725/mi (2026), MLS and license fees, marketing, a home office, and more on Schedule C. Gigaverse categorizes expenses automatically; your deduction depends on your activity.
Which retirement account is best for agents?+
High earners may prefer a SEP IRA or Solo 401(k) (opened at a separate brokerage) for their higher contribution limits. The PRActicle™ is a portable Roth IRA (via a FINRA/SIPC-member broker-dealer). Use our calculators to compare — this is not individualized tax advice.
How does Gigaverse handle irregular commission income?+
It auto-saves a percentage of each payout rather than a fixed monthly amount, so your saving scales with your closings instead of stalling in slow months.
Real Estate Agent deep-dive guides
Real Estate Agent Taxes
Most agents are 1099 independent contractors paid in lumpy commission checks with nothing withheld. That makes proactive tax planning — deductions plus quarterly estimates — essential to avoid a brutal April.
Read the guideReal Estate Agent Retirement
Agents have no brokerage 401(k) and no match — retirement is entirely self-directed. The upside: commission income often supports much larger self-employed contributions than an employee could make.
Read the guideReal Estate Agent write-offs
Real estate agents working as independent contractors under a brokerage are self-employed for tax purposes, so every legitimate business expense reduces both income tax and self-employment tax. With high commission income and substantial operating costs, tracking deductions accurately has an outsized impact on your bottom line.
Read the guideGigaverse is built for every kind of independent worker
Free calculators for real estate agents
Ready to keep more of what you earn?
Free to open Instant pay Portable IRA
Gigaverse is not a bank. Brokerage services are provided through a FINRA/SIPC-member broker-dealer. Tax outcomes depend on your individual circumstances; Gigaverse does not guarantee any specific savings.