Project a manager's unit income

Manager Income Projector plays a unit forward. You say how big the team starts, how fast it grows and what each person produces. It lays out what the manager earns from overrides, renewals and their own selling, for as many years as you ask.

It’s at /manager-calculator, and the menu calls it Manager Calculator.

Only managers and admins can open it, and anyone else who follows the link is sent to the Log page instead. It’s a district module as well. If it’s missing from your menu, see Why a page or tab is missing for you.

Set up the unit

Manager Configuration holds 6 inputs, and the page recalculates as you type.

To model a unit:

1. Type the team you start with into Starting Team Size.
2. Type how many people you’ll recruit each year into New Consultants/Year.
3. Fill in Average FYC per Consultant and Average PA per Consultant.
4. Fill in Manager Personal FYC.
5. Drag Years to Show.

The page opens on a team of 6 growing by 2 a year, each producing 30,000 FYC and 5,000 PA. The manager sells 30,000 of their own. Years to Show runs from 5 to 40 and starts at 11.

New consultants join from year 2. The team stops growing at 20, whatever the recruiting figure says.

Read the summary

3 cards sit under the inputs. The first totals every year on the page, and its label follows your choice, as in 11-Year Total. Final Team Size is the head count in the last year, and Peak Annual Income is the best single year.

Income Projection by Year stacks each year’s bar from FYC Override, Renewal Override, PA Override and Personal Income.

Read the year-by-year table

Year-by-Year Breakdown gives each year’s Team Size and Override Rate, then the 4 parts of the income and Total Income.

The override rate follows the size of the team:

• 20% while the team has fewer than 8 consultants
• 30% from 8 to 11
• 40% from 12 up

Where the numbers come from

For the whole rule set in one line, open the info mark beside Calculation Breakdown (Math Verification).

The FYC override is each consultant’s FYC at the override rate. A consultant in their first 2 years adds another 20% on top.

For renewals, the projector first turns FYC back into premium, on the basis that FYC is 35% of the annual premium. Last year’s policies then renew at 15% of premium, and older ones at 8%, 5%, 5% and 1.5%. Each year’s renewals carry the override rate the team had when those policies were sold, and that rate stays locked.

PA commission is 30% of each consultant’s PA, and it doesn’t fade. Every past year’s PA pays again at 30%, so the pile grows, and this year’s override rate applies to all of it.

The manager’s personal income is their own FYC, the override on it, and SPI and AI at 42% of that FYC. Their own renewals and the override on those are added too.

Calculation Breakdown (Math Verification) writes every year out in full, down to each renewal year and its locked-in rate.

See what each recruit is worth

Consultant Lifetime Value Analysis ranks every consultant the projection holds, by the overrides they bring the manager across the years shown.

Each row gives a Join Year, which reads Starting Team or the year they joined. Then come Annual FYC, Annual PA and Lifetime Value. The top 3 carry a badge.

Note

Nothing on this page is saved, and it has no export. Every input goes back to its starting value when you leave, so note the figures you need first.

FAQ

Why does Personal Income come out higher than the breakdown’s 3 lines?

The 3 lines are the FYC, its override and SPI plus AI. The total also carries the manager’s own renewals and the override on them, from year 2 on.

Why did the team stop at 20?

The projector caps a unit at 20 consultants. Recruits past that aren’t added.

Can I change the 35% or the renewal rates?

No. They’re fixed in the calculation, and only the 6 inputs move.

Does this read my real team?

No. It’s a model. Every consultant in it produces the averages you typed.