Quickli Alternative for Commission Analysis

Track My Trail is a Quickli alternative for commission analysis when your problem is understanding trail income after settlement. We show which clients joined or left your book and why monthly trail changed. Quickli handles lender serviceability calculations, a separate job that trail analysis does not replace.

Time to turn it around.

Track My Trail gets you back to growth.

Our mortgage broker software analyses your trail book to show what is missing, declining or at risk.

Leave the number-crunching to us while you focus on growing your business.

In 30 seconds, immediately identify:

Join thousands of Australian brokers taking back control of their income.

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Drag, drop, done. Never open Excel again.
Click here to see it in action.

steve carton finsure broker

Steve Carton

Mortgage Broker at Relax Home Loans

Track My Trail picked up $1,450 from an account that went 25 months unpaid. Had no idea it was sitting there until the tool flagged it - the app paid for itself!

I love that they continue to improve it and give me instant data on areas of my business I should focus on.

An Alternative for the Income Question

Track My Trail answers what happened to your paid commission by analysing the reports your aggregator sends. Quickli answers how a borrower’s proposed loan fits lender serviceability calculations. A successful borrowing-capacity calculation cannot explain why a settled loan stopped paying trail.

If your spreadsheet takes hours to reconcile each month, our Quick Analysis compares two monthly reports and identifies client movements. Missing Trail Analysis uses stored history to separate trail that stopped and later returned from discharged loans. Commission Verification matches upfront payments to the trail that should follow within two months, and flags trail received without upfront.

These outputs give you a starting point for investigating income. You can retain your serviceability tool while replacing the spreadsheet work behind that investigation.

Before Settlement and After Commission Payment

Quickli works from borrower scenarios, while Track My Trail works from aggregator payment records. Before settlement, a broker enters the borrower’s income and expenses, liabilities and proposed loan details to calculate capacity. After commission payment, the aggregator report records the loans and amounts behind the broker’s income.

Quickli’s product page describes entering client details once to calculate serviceability across multiple lenders. Its pricing page lists a policy library and calculator exports. Track My Trail compares actual statement periods to show how your loan book and income moved.

Broker task Quickli Track My Trail
Calculate borrowing capacity Multi-lender serviceability from a borrower scenario Commission analysis from aggregator reports
Find lender policy information Policy library for scenario assessment Income and loan movements from payment records
Prepare calculation output EasyCalc exports and print-to-PDF output Quick Analysis results that can be saved as a PDF
Identify lost or gained clients Borrower scenario assessment Clients added, dropped off, discharged or refinanced between reports
Explain large balance movements Proposed borrowing calculations Large repayments and drawdowns recorded in the loan book
Assess lender share Compare serviceability across supported lenders See how trail income and the book are concentrated by lender

A borrower scenario describes a proposed transaction. An aggregator statement describes payments for settled loans. Each input answers a different question, so exporting a calculator does not produce a trail-income record.

Match Each Output to a Broker Decision

Use Quickli’s serviceability comparison to help build a lender shortlist, and use Track My Trail’s commission analysis to investigate paid income. Quickli’s policy tools help you assess which lenders fit the borrower’s circumstances. A lending decision still requires the application process for the chosen lender.

Quickli PRO also includes document extraction and generated loan submission notes. These functions help prepare application material. They are PRO capabilities, and preparing notes is separate from lodging an application through the relevant lender workflow.

Consider an illustrative brokerage with growing settlements and falling trail income. A serviceability result helps assess the next borrower but does not identify which existing loan accounts explain that fall. Quick Analysis shows the clients lost and gained, alongside large repayments that reduce loan balances.

For a loan whose trail disappears and later returns, Missing Trail Analysis supplies the unpaid months and amount to raise with the aggregator. Pro Performance covers the most recent two years, while Elite Suite covers the full stored history. An administrator can use Trail by Broker to isolate the affected broker’s income without confusing it with the whole brokerage’s movement.

Compare Relevant Costs and Setup

Compare the service each subscription buys, then match access and history coverage to your brokerage. Quickli’s pricing is based on user seats, with monthly or annual billing and prices shown plus GST. Our Quickli serviceability guide covers its plans and pricing in more detail.

Track My Trail has monthly or yearly billing, with prices including GST. Excel Escape includes Quick Analysis. Pro Performance adds stored history for one trail book over the most recent two years. Elite Suite includes full history and up to five trail books, with logins for the owner and four teammates at no extra cost. See our trail-analysis subscription options for current prices.

To use Quick Analysis, upload this month’s and last month’s supported aggregator reports in CSV, XLS or XLSX format. Coverage includes AFG and Connective, along with LMG and Finsure. For another aggregator, use the Generic CSV template or PDF to CSV, which is included in Elite Suite. Check converted PDF rows before analysis.

Our input is the aggregator’s commission report. Start from those records when setting up trail analysis, rather than treating a Quickli borrower-scenario export as a commission import.

Keep the Calculation Tool You Need

Keep Quickli when you need multi-lender serviceability calculations, and choose Track My Trail when you need to explain commission income. A practice that needs both outputs can use both tools. Our software comparison directory explains how other broker platforms fit beside trail analysis.

For the income task, start with two actual supported commission reports. Quick Analysis identifies your lost and gained clients so you can follow the movement back to the underlying loans. Use stored Trail History when your investigation spans more than those two periods.

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Track & Grow Your Trail Book

Get a clear picture of your trail book so you can get back to growth.

Loading chart data...

Australia’s biggest aggregator panel

Track My Trail supports the broadest range of aggregators on the market, from the majors to the smaller players.

See every supported aggregator. Missing yours? Let us know and we’ll do our best to add it.

AFG

LMG

SFG

Finsure

Vow

Connective

And many more
tracey franco financecorp

Tracey Franco

Director at FinanceCorp, Connective Broker

As an owner of a larger brokerage with multiple trail books, our needs for an efficient tracking system are complex.

Track My Trail provides exceptional service, seamlessly integrating with our existing systems, and simplifying trail tracking.

We Do The Hard Stuff And Just Give You The Insights

You shouldn’t need a PhD in Excel to analyse your trail book - let software make it easy

Get An Instant Snapshot Of

Where You’re Losing Trail

See how much trail you’re losing from discharged clients and clients paying off their loans.

New

The Market Value Of Your Book

Get a realistic market valuation of your trail book - without the hassle of a lengthy valuation process.

New

Upfront At Risk of Clawback

Monitor loans within their clawback period and get an actionable list of high-priority loans.

New

Clients Due For a Refinance

See which clients are due for a loan review, prioritised by age and balance, so you can start the conversation before another broker does.

New

Lifetime Customer Value

See exactly how much value each client has brought you - and how much they’re projected to bring over time

Your Lost And Gained Clients

Immediately see which clients you’ve lost and gained over the last month.

Get started for free

7 day free trial · No credit card

See Where You Sit Month-on-Month

Get insight into your total trail gained, lost, and your net change in trail month-on-month.

Trail added (Inc. GST)

$44,376/month

Trail lost (Inc. GST)

$18,556/month

Net change (Inc. GST)

$25,820/month

No Time? No Worries.

Get a quick “snapshot” of your trail book - perfect for when you don’t have time for a deeper analysis.

Total loan book

+$6.7 mil

$52 million

Total outstanding loan balance
Across all residential and commercial loans

Yearly trail income

+$13.9k

$119,457

Annual income projection
Based on most recent month

Upfront this month

+$3.9k

$25,667

Upfront commission payment
From settled loans this month

Number of clients

+12 clients

111 clients

Active client base
Clients with active loans

Income from your top 10 clients

33.2%

Income concentration
Revenue from top clients

Clients generating 50% of your income

21 clients

Generate 50% of your income
Top income contributors

Income from your top 3 lenders

57.3%

Lender concentration
Revenue from top lenders

Track The Size Of Your Book

See Your Lost And Gained Clients

Immediately see which clients you’ve lost and gained over the last month, and how much corresponding trail was lost or gained.

Note the tables below were built for display on desktop, not mobile

Clients Lost

Clients Added

Who’s Making You The Most Money?

Identify which clients bring you the most trail, allowing you to prioritise your retention efforts.

Discover Clients Making Large Loan Repayments

Identify existing clients who have made large loan repayments.

Use this to gain deeper insights into your lost trail, and highlight opportunities to engage clients with new loan offerings.

Who Are You Taking Care Of?

Don’t settle for a one-way relationship - see which lenders you prioritise and use this to strengthen your bargaining power.

The pie chart combines residential and commercial loans, and different loan products from the same lender.

See How Your Team Is Doing

Get a clear picture of the trail each broker brings to your firm.

nissar

Nissar M

Mortgage Broker, Amanah

Every month I look forward to checking my trail book in Track My Trail to see how my business is growing.

Minimise Clawback

Monitor loans within their clawback period and get an actionable list of high-priority loans.

Total risk exposure

-8% YoY

$45,250

Potential clawback amount
Across 24 upfront loans

Near-term risk

●8 ●12

$18,500

20 loans require attention
Safe from clawback within 6 months

Loans at risk

21%

32

Total loans in clawback period
Across 5 lenders, 2 aggregators

Safe this quarter

5 loans

$9,001

Becoming safe within 90 days
If clients stay, this risk resolves
Risk by priority
Risk by lender

Highest priority

5 loans are under 90 days away from being safe from clawback. Consider a proactive check-in to ensure client retention.

Client Lender Risk Amount Time Remaining
M. Comyn CBA $2,450 12 days
A. Miller Westpac $2,283 28 days
A. Irvine NAB $2,032 45 days
N. Matos ANZ $1,578 52 days
N. Moore Macquarie $657 67 days

Maximise Lifetime Value

See exactly how much value each client has brought you - and how much they’re projected to bring over time

Active loans

128

128 active loans 156 total loans

Discharge time

7.3

avg. years
28 discharged loans since May 20

Realised lifetime earnings

$57,500

Realised window May 20 - Jan 26

Projected lifetime value

$128,000

Assumes avg. discharge time Active loans only

Realised per active client

$1,369

35 of 42 clients active 83%

Projected per active client

$3,048

Assumes avg. discharge time Active loans only
Realised versus projected trail earnings

Displays cumulative trail earnings and the expected continuation under the selected scenario.

Showing Realised and Projected earnings.

Preparing the lifetime earnings timeline…

Client Lifetime Value

Average Discharge Time

Sorted by projected trail revenue for the current scenario. Select a row to inspect individual loans.

Client Realised earnings Projected value (12 yrs avg.) Active loans First payment Last payment

No client rows are available for the selected scenario.

Projected values extend each active loan to the scenario’s full term.

What Could You Sell For?

Get a realistic market valuation of your trail book - without the hassle of a lengthy valuation process.

We grade every loan and adjust for run-off, lender mix, and data quality to give you a professional-grade valuation in seconds.

Total valuation

2.45×

$385,750

$157,450 annual 2.45effective multiple

Net annual trail

+8% YoY

$157,450

Based on Oct 2026 $145,787 last year

Active loans

76% Retained

142

142 active loans 186 total loans

Loan age

+0.3 mos MoM

50.4

avg. months
Range: 6 months 12.5 years
Grade distribution
Grade
Loans Trail % Factor Valuation
A 62 34% 2.85× $172,000
B 44 23% 2.30× $116,000
C 27 18% 1.80× $92,000
D 18 13% 1.55× $66,000
E 15 12% 1.25× $60,000
Economic validation

Agreement

High

Grade-based

2.38×

Cash flow

2.52×

Well aligned

Both methodologies agree on valuation, providing confidence in the result.

Cash flow components

Discount rate (deff)
13.35%
Run-off rate (aeff)
14.2%

Valuation modifiers

Run-off

+2.0%

Arrears

-2.0%

Clawback

-1.0%

Lender mix

+2.0%

Data quality

-0.5%

Total

+0.5%

Portfolio metrics

Run-off rate

14.2%

Annualised

Arrears rate

0.8%

OK

Clawback rate

9.5%

OK

Big 4 share

62%

Of trail

Non-ADI share

18%

Of trail

Top lender

CBA

28% share

Loan valuations

Oct 2026

Shows loans that received trail payment in your latest upload. Each loan is graded A to E based on lender, age, and balance - higher grades receive higher valuation multiples.

Showing 10 of 142 loans

Example valuation

Never Lose a Client to a Competitor

See which clients are due for a loan review, prioritised by age and balance, so you can start the conversation before another broker does.

Eligible loans

5

Highest priority

2

Settlement age 3 to under 5 years

Reviewed (last 90 days)

0

Reviewed in last 90 days

Missing settlement

3

Excluded from review list
$

Refinance Finder Queue

5 visible

Grouped by refinance priority, with the oldest loans first within each priority group. Active loans are those with a positive balance and a trail payment in your latest statement month.

Client Loan ID Lender Balance Settlement Date Loan Age Priority
Thompson & Co LN-0258 Westpac $920,000 05 Aug 2021 4.5 yrs Highest
Chen Investment Group LN-0391 NAB $1,240,000 18 Feb 2022 4.0 yrs Highest
Smith & Partners LN-0042 ANZ $685,000 14 Mar 2018 7.9 yrs Secondary
Johnson Family LN-0117 CBA $512,000 22 Nov 2019 6.2 yrs Secondary
Williams Household LN-0475 Macquarie $348,000 30 Jun 2023 2.6 yrs Standard
reece sacino afg broker

Reece Sacino

Director at Equitas Finance, AFG Broker

I used to spend hours in Excel trying to figure out whether new loans had come through and which clients were discharged. Now Track My Trail does it for me in 2 clicks.

Your Security, Our Priority

A pillar of cyber security is only storing what you need for as long as you need it.

Access

  • Enterprise-level authentication

    SAML single sign-on and TLS 1.3 encryption keep your account and data secure in transit.

  • Web Application Firewall

    Our advanced firewall blocks DDoS attacks and bots, and neutralises security anomalies.

Privacy

  • Never sold or shared

    We never sell or share information from your trail reports. It’s only ever used to analyse your trail book.

  • Secure checkout

    Payments are handled by Stripe, trusted by millions of businesses worldwide. We never see your card details.

Storage

  • Nothing stored by default

    Run a quick analysis of your trail book without keeping any of it in long-term storage.

  • Opt-in encrypted storage

    Store records only to track your performance over time. All sensitive information is encrypted.

All of this is to say - we take security seriously.

Feel free to contact us with any security-related questions.

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Still not sure whether Track My Trail is the right mortgage broker software for you?

Contact us with any questions you have - we’re happy to help.