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← Back to the toolkitRESIDUAL CALCULATOR · FREE TOOL

See what your portfolio could become.

Explore how volume, markup, your split, growth and attrition shape your residual income.

YOUR PORTFOLIO, YOUR POSSIBILITIES

Start with the numbers.

Example assumptions below. Make them yours.

YOUR STARTING MONTHLY RESIDUAL$2,100

$25,200 annualized at today’s portfolio size

$150 revenue / merchant × 70% split = $105 for you

The longer view.

● Current scenario
$4,247 / monthTodayMonth 12
Month 12 residual$4,247
Expected merchants40.5
Cumulative through month 12$39,415
Projection checkpoints (USD)
MonthMonthly incomeAnnualizedCumulative
12$4,247$50,968$39,415
24$6,151$73,808$102,982
36$7,838$94,053$187,959
60$10,659$127,905$412,685

A clear view of the assumptions.

USD estimates before taxes, costs, losses, reserve adjustments and contract deductions. Markup is percentage points above pass-through costs, not the merchant total processing rate. Per-transaction revenue is net processor markup. The split applies to these two revenue streams. Month 0 is today. Each later month applies attrition to the prior portfolio, then adds new merchants; all remaining and new merchants contribute a full month. Fractional merchants represent expected portfolio size. Volume, transaction count, pricing and split stay constant. Annualized income is that month multiplied by 12; cumulative income sums months 1 through the selected month. These are planning estimates, not guaranteed earnings.

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