Commission calculator: estimate what your book of business should earn

The math is straightforward: premium times rate gives per-policy commission, times your policy count gives the book. From there it shows the monthly run-rate, the portion typically advanced up front, and a chargeback exposure figure — the advanced commission sitting on the policies statistically likely to lapse early. Those last two matter because they're where a healthy-looking book can still deliver a rough month: a cluster of early cancellations claws back advances and flattens the cheque.

What the calculator can't know is what the carrier will actually pay. It assumes every policy pays its contracted rate, on time, in full — which is the assumption reality violates. Short-pays, unpaid renewals, miscredited splits, and unexpected chargebacks all live in the gap between this estimate and the number that hits your account. The calculator sets the expectation; only a reconciliation tells you whether it was met.

The moment the estimate matters most is when it's wrong — when the book should have earned one number and the statements add up to less. That difference is commission leakage, and it's invisible without holding the expectation next to the actual payments line by line. A calculator gives you the expectation for the whole book; a reconciliation gives it to you per policy, which is the granularity you need to actually chase a shortfall.

reportr is the reconciliation half. It reads the carrier portal you're already logged into, loads your book of business, and compares expected commission against what was actually paid — flagging every short-pay, unpaid renewal, and uncatalogued entry, and surfacing chargebacks as traceable negative lines. The calculator tells you what the book is worth; reportr tells you how much of it you're actually being paid, and where the rest went.