Choose Track My Trail over TrailIQ when you want to explain paid trail and manage client reviews from your commission history. Choose TrailIQ when fixed-rate or interest-only expiry alerts and a ranked outreach queue are your priority, subject to closed-beta admission.
Income Review or Opportunity Monitoring
Track My Trail combines paid-income analysis with a client review queue, while TrailIQ scores loan-book records for repricing and refinance opportunities. The deciding question is whether your starting problem is a change in commission income or a loan condition that calls for client contact.
With Track My Trail, two monthly aggregator reports show which clients joined or dropped off and which loans discharged or refinanced. Quick Analysis also identifies large repayments, drawdowns and arrears. You can see why income moved without storing either report.
Stored Trail History adds Missing Trail Analysis, which separates stopped-and-returned trail from discharges. Refinance Finder lists active loans settled more than two years ago for review. With each client’s open banking consent, you can also see their current rate and offset beside their trail figures.
TrailIQ’s feature page describes an Opportunity Score from 0 to 100 based on loan age, rate gap, loan type, balance and lender risk. Its Expiry Radar identifies fixed-rate roll-offs and interest-only expiries. A work queue adds status tracking and a contact log, with field-merged reprice and refinance messages for outreach.
| Decision factor | Track My Trail | TrailIQ |
|---|---|---|
| Starting records | Monthly aggregator commission reports | Aggregator loan-book exports |
| Monthly income review | Compare paid trail, missing loans and changes across periods | Month-over-month Progress comparison and merged re-uploads |
| Client review selection | Settlement-age queue with recurring reviews, plus consented loan data | Opportunity Score, rate estimates and expiry alerts |
| Clawback exposure | Days remaining and exposure under aggregator or lender rules | Per-lender taper, amount at risk and clearance date |
| Access | Subscription plans with a 7-day free trial | Closed beta with an access-request form |
Loan-Book Exports and Data Coverage
Track My Trail reads commission payments across monthly reports. TrailIQ imports a loan-book export and maps its fields to loan records. These inputs overlap, but a loan balance and a paid commission answer different questions.
Track My Trail accepts aggregator CSV, XLS and XLSX reports. Its supported formats include AFG, LMG, SFG, Finsure, Connective and YBR Aggregation (formerly Vow Financial), alongside other named aggregators. A Generic CSV template covers other formats, and PDF to CSV converts statement PDFs into rows you check before analysis.
Quick Analysis needs two monthly reports. Trail History accepts up to 24 monthly reports in one upload and lets you resolve duplicate payments. Historical Analysis then compares stored periods without another upload. New monthly reports extend that history. Pro Performance covers the most recent two years for one trail book, while Elite Suite adds full history and up to five books.
TrailIQ describes Smart Import as aggregator-neutral, with automatic field mapping and merging when you re-upload. Its feature page names AFG Flex and BrokerEngine among its import sources. Multi-Book & Compare supports separate or combined books and month-over-month comparison with duplicate handling. TrailIQ says imported loan books remain in the browser.
The export’s fields determine what can be assessed. Rate-gap analysis needs a rate or an estimate. Expiry alerts need the relevant term information. TrailIQ’s RBA Rate Estimator uses cash-rate movements since settlement when an export has no rate. That estimate needs confirmation before you discuss a specific rate with a client.
For example, imagine a loan still appears in your export with an outstanding balance, but this month’s statement has no trail payment. The balance shows that the exported loan record remains in the book. Payment history lets you investigate the missing income. Neither field alone establishes why the payment stopped.
Reprice, Expiry and Clawback Alerts
TrailIQ’s signals identify loans for follow-up, while Track My Trail connects review opportunities with paid commissions and stored history. Both require a broker to investigate the loan before acting.
TrailIQ’s Opportunity Score ranks loans by potential repricing or refinance opportunity. Its RBA Rate Estimator supplies an estimated rate when a rate is absent from the export. Track My Trail’s Refinance Finder orders older active loans by settlement age and balance, with an estimated loan-to-value ratio (LVR). A settlement-month filter supports recurring reviews, and marking a loan reviewed returns it to the queue after 90 days.
Track My Trail also adds the client’s current rate, rate type and loan balance through open banking consent. Offset and net balances appear beside the gap to current lender rates. Lender Rates covers published home-loan product rates from 121 lenders, with filters for the borrower scenario. Those published rates and the client’s agreed rate are distinct figures.
For expiry follow-up, TrailIQ describes a three-to-six-month window for fixed-rate roll-offs and interest-only expiries. That suits a contact routine built around approaching changes to loan terms. Track My Trail’s settlement-based review queue supports a recurring review routine using commission history and consented loan data.
TrailIQ’s Clawback Guard shows a per-lender taper, the amount at risk and a clearance date. Track My Trail’s Clawback Risk lists every loan inside its clawback period with days remaining and estimated exposure. It groups loans as Critical, Watch, Monitor or Passive under the applicable aggregator or lender rules.
A clawback flag is estimated exposure under those rules. It does not confirm a lender charge or establish that refinancing is suitable. Similarly, an opportunity score does not establish a borrower’s savings. Confirm the existing loan terms and the borrower’s circumstances before recommending a change.
Missing commission has a separate follow-up path. Track My Trail’s Commission Verification matches upfront payments with the trail expected within two months and shows trail received without upfront. A flagged payment needs reconciliation with the aggregator. Recovery is confirmed when the correction appears in payment records.
Availability and Plan Terms
Track My Trail has subscription plans, while TrailIQ admits users through a closed-beta request. TrailIQ’s homepage and request form both describe closed beta, so an invitation is a condition of access.
TrailIQ’s form requires a name and email address. Brokerage, aggregator and other details are optional. Its privacy notice says the operator reviews requests manually and admission is not automatic. Invited users sign in through a one-time email code. The homepage also has a sample-data demo that needs no login.
Track My Trail’s Excel Escape includes Quick Analysis. Pro Performance adds stored Trail History and Historical Analysis. Elite Suite adds full history, multiple books and team access, along with Trail Book Valuation and PDF to CSV.
Billing is monthly or yearly, with GST included. Monthly plans can be cancelled at any time, and you can change plans or billing from your account. The Track My Trail pricing page has current subscription terms. A 7-day free trial requires no credit card.
TrailIQ’s beta request is an application for access. Its feature page lists subscription tiers among future additions, so the beta route and Track My Trail’s paid plans are different purchase decisions.
The Choice for Your Review Routine
Choose Track My Trail if your monthly routine starts with checking what the aggregator paid. Compare the latest reports, investigate stopped trail and reconcile upfront against subsequent trail. Stored history also supports client review scheduling and estimated clawback exposure, so income checks and retention work use the same loan records.
Choose TrailIQ if your immediate routine centres on expiry follow-up and a scored contact queue, and you have beta access. Its work queue and message templates support recording and carrying out client contact after an alert. Keep the source loan records current when you refresh the export.
For either routine, separate the prompt from the completed work. Record the client’s confirmed terms before a rate review and the contact outcome after outreach. Close a missing-payment investigation against the aggregator’s response and corrected payment, or a clawback query against the applicable agreement and charge.
If unexplained trail is the reason you are comparing these tools, start with Track My Trail’s income review. Its payment history gives you the evidence for the aggregator query, while Refinance Finder carries the client review work forward.
