I am not familiar with an existing license that fills all your requirements:
However, the underlying tone of your request is along the lines of a dual-licensing scheme, which can be fairly commonly found in the open-source community (similar to what Dima has suggested).
Basically this is where you make your software available under two different licenses, one typically open-source and another with a closer resemblance to a propriety license. However, I am not familiar with any dual-licensed projects forcing your requirement of
every case of comercial (use) ... must buy a commercial license from me’
In these sorts of arrangements users are typically free to pick and choose the license they desire, as the open-source licenses don’t restrict usage based on consumer type (they are open to all).
The questions I think you need to ask yourself:
- Do I really need to give personal and educational users of your software the source-code to the product? (If no, educational / personal licensing schemes are commonplace in the propriety world –MS Word for example).
- How ‘open’ do you plan on making the source code to your personal and educational users? Dual-licensed projects using OSI licences mean that derivative works can be completely free – i.e. with none of your commercial restrictions.
- Why do I want personal and educational users to have the source-code? If one of those reasons is, “to help improve the product” – how are you going to encourage personal/educational users to make contributions to a product that you are forcing to be sold to a particular consumer type? Most dual-licensed projects are geared around providing a service rather than a product under the commercial ‘half’ of the license, i.e. support, training, etc.
Having a read of the producing oss book – in particular the sections on “Free” versus “Open Source” as well as the “dual licensing” sections. I think will help clarify if you want to open the source code to your project at all.
However, when in doubt - it is always best to pay a visit to a professional intellectual property lawyer for these kinds of problems.