Referral Income Model — 3-Level Commission Structure

Subscribers pay a fixed monthly fee for access to the trading algorithm. Up to three referrers above each subscriber share part of that fee every month and part of the subscriber’s trading profit, settled at the end of year 3. The program settings on the left are shared by every tab; each tab has its own calculator with its own inputs.

Referrer calculator

Level 1 are people you referred, level 2 their referrals, level 3 the referrals of level 2. Every member can sign up at most the number in the max-direct input. Counts are recruits at the start of year 1; churn thins them month by month. Fairness rules: fee share only while you pay the fee yourself, profit share only if your own capital is at or above the minimum ticket.

Your year-1 income
From monthly fees
From profit share
People in your network

3-year cash, profits reinvested

Network recruited at the start of year 1 and not refilled. Churn thins it each year at the falling annual rates set in the Product panel, which apply to subscribers and referrers alike. The profit share accrues on each year’s profit from subscribers active at that year end and is paid out once at the end of year 3, only to referrers still subscribed then. Referrers who left forfeit their accrual, and that money is redistributed pro rata to the referrers who stayed. Downline subscribers who leave early have their accrued share collected on exit, so it stays in the pool.

What you keep if you leave early

Year-1 income by level

Target income solver

Year 1 only: fee share plus the profit share accrued in year 1

Averaged over the 3-year cycle: fee share plus the profit share paid at the end of year 3

Road to your 3-year target: bigger deposits, longer stays

Lever 1: average deposit per member, with your network shape

Lever 2: retention, at the current average deposit

Sensitivity: year-1 income vs. direct referrals

Keeps the current depth ratios (referrals per level-1 and level-2 member) and all share settings. Bold row is your current setting.

Formulas

L1 = n1, L2 = n1 × n2, L3 = n1 × n2 × n3, with n1, n2, n3 ≤ maxDirect (default 10, so a full network is 10 + 100 + 1,000)

Churn is annual and falls by year: a_1, a_2, a_3. Monthly equivalent m_y = 1 − (1−a_y)^(1/12); feeMonths_y = Σ (1−m_y)^t for t = 0 .. 11; survival to end of year y = Π_{k≤y} (1−a_k)

Fee income (annual) at level i: Li × fee × feeMonths × feeShare_i

Profit share (annual) at level i: Li × survive × capital × return × profitShare_i for i = 1, 2 only. The third slice profitShare_3 is retained by the platform; level 3 earns fee share only.

Multi-year: capital_{y+1} = capital_y + capital_y × return × reinvest% [− fees yearly, − accrued upline share in year 3, if deducted from capital]

Upline share settlement: nothing paid in years 1 and 2. pStay = (1−a_1)(1−a_2)(1−a_3). If you stay: paid_3 = Σ_y profitShare_y / pStay (own accrual plus forfeits redistributed pro rata). If you leave: paid_3 = 0. Expected value over all referrers: Σ_y profitShare_y, since the pool is conserved.

Constraints: feeShare_1 + feeShare_2 + feeShare_3 ≤ 50% and total profit share ≤ 30% in every year

Eligibility: fee share × [you pay the fee]; profit share × [ownCapital ≥ minTicket]. Shares an ineligible referrer would have received stay with the platform.

Profit share by year: total R_1 = profitShare_1 + profitShare_2 + profitShare_3 (default 30%), R_2 and R_3 set directly (default 25%, 20%). Level i share in year y = profitShare_i × R_y / R_1

Investor calculator

Your capital and the income you want from it. The product settings on the left (fee, return, profit share, churn, reinvestment) apply. This is you as an investor only; referral income is on the Referrer and Investor + network tabs.

Account after 3 years
Net gain after costs
Your income per month
Capital needed for your target
Net return per year
Break-even capital
to cover 3 years of costs

Reaching your target

Your account over three years

Where your money goes in year 1

Monthly fee
Year-1 trading profit

Outcome by capital size, 3-year stay

The fee is fixed and the profit share is proportional, so the result depends heavily on how much you invest. Bold row is the current average capital.

If you leave early

You keep the account. On exit you settle the share accrued for completed years. Fees already paid are not refunded.

Own capital, net gain in 3 years
Profit share from the network
Fee share from the network
Total in 3 years

Stream 1: what your own capital earns

Stream 2: profit share from the other investors’ capital (levels 1 and 2)

Stream 3: fee share from every member (levels 1 to 3), paid monthly

Putting it together

Same capital, bigger network

Your own capital and its gain never change; only the network scales. Bold row is the network set in the Referrer tab.

Fee revenue kept, 3 years
Paid to referrers from fees
Profit share kept, 3 years
Platform total, 3 years
Subscribers in cohort

Cohort of subscribers over three years

Per recruit, year 1

Any level that has no referrer above it (for example, a subscriber recruited directly by the company) leaves that share with the platform.

What the platform keeps per $100 fee, by upline depth

The platform always keeps its own slice of the profit share, the one level 3 used to receive. Forfeited referrer accruals are redistributed to stayers, not retained. Unfilled levels 1 or 2 add their slices to the platform.

Platform calculator

The yearly income the platform wants, how many new investors the network signs up at the start of each year, and what share of them the company recruits itself (those have no upline, so the platform keeps their shares). Subscriber capital is the average set on the left.

Platform earns per subscriber, year 1
Subscribers for the target
Capital required
Build plan reaches target

Step 1: what one subscriber is worth to the platform

Step 2: how many subscribers the target needs

Step 3: build plan, a new cohort every year

Step 4: where every dollar goes in year 3 of the plan

Levers: subscribers needed under alternative settings

Each row changes one thing from the current inputs and recomputes the year-1 basis. Every lever that helps the platform reduces what referrers earn, which slows recruiting.

Plain-language rulebook with diagrams. Open in its own tab.