Commission Tracker review: pricing, statement matching and producer pay
Commission Tracker imports carrier statements, checks them against what each policy should pay and works out each producer's share. It reads PDF, Excel and CSV files and sends producers their statements.
It is built for life, health, Medicare and benefits agencies that pay producers. Plans start at $67 a month, and a processing service does the monthly work for you.
- Best for
- Life, health, Medicare and benefits agencies with producers to pay
- Price
- $67 a month
- Per producer
- $1 a month on agency plans
- Setup fee
- $120 once, for up to 4 hours of setup and training
- Free trial
- No free trial. You get a live demo
- Statement intake
- PDF, Excel and CSV uploads. PDFs are converted to Excel for you
- Splits and overrides
- Percent, flat and premium splits, agent levels and upline overrides
- Producer statements
- PDF and Excel statements, bulk email and a producer portal
- Done-for-you service
- Commission Processing Service from $187 a month
Our take
Commission Tracker fits a life, health or benefits agency that pays a team of producers and wants splits, overrides and statements done in one place. Agency plans cost a base price plus $1 a month for each producer. If no one on staff has time, the processing service does the monthly work for you.
Setup is the hard part, and users say it takes real effort. You also open the software through a remote desktop app on Windows or Mac, so it looks like a desktop program rather than a web page.
Pros
- Low published prices, month to month
- Reads PDF statements by converting them to Excel
- Deep split, level and upline override rules
- Producer portal and bulk-emailed statements
- Staff can process statements for you
- Any import can be reversed and run again
Cons
- No CRM or agency system connections
- Only 60 minutes of phone support a year
- Statements are uploaded, not pulled from carriers
Plans and pricing
| Plan | Price | Producers | Software users |
|---|---|---|---|
| Independent AgentAgents who pay no producers | $67 a month | None | 1 |
| Small Insurance AgencyAgencies with a small teamSmallest plan with producers | From $72 a month | 5 to 50 | 1 |
| Medium Insurance AgencyGrowing agencies | From $119 a month | 5 to 100 | 2 |
| Large Insurance AgencyLarge producer teams | From $166 a month | 100 or more | 3 |
| Commission Processing ServiceStaff do the work for you | From $187 a month | Any | 1 |
Prices as of October 2026, from commission-tracker.com/pricing, billed monthly. Each agency price includes five producers, and each active producer past that adds $1 a month. Small and Medium differ in logins (1 or 2) and the most producers allowed (50 or 100).
| Fee | Price | Notes |
|---|---|---|
| Setup and training | $120 once | Up to 4 hours of setup and training |
| Extra software user | $47 a month | Each login beyond the plan's users |
| Producer license | $1 a month | Each active producer, in packs of five |
| Extra processing hour | $30 an hour | Service only, with your approval |
Good to know before you buy
- Producer statements won't run when you have more active producers than licenses.
- Each plan includes 60 minutes of phone support a year, plus unlimited email support.
- The processing service includes 4 hours a month. Most agencies use 4 to 20.
Getting started
Book a demo
See it live on a screen share with the team that builds it.
Pay the setup fee
The $120 fee buys up to 4 hours of setup and training.
Import your book
Bring in producer, client and policy spreadsheets, including history.
Build carrier tables and maps
Carrier tables hold the commission rates each carrier pays. Enter them and map each statement layout once.
Run your first pay period
Import statements, clear exceptions and send producer statements.
The producer portal runs in a web browser.
Statement intake
- File types
- PDF, XLS, XLSX and CSV
- How statements arrive
- You upload them. On the processing service you send them to Commission Tracker staff
- PDF statements
- The PDFx tool turns a PDF into an Excel file you can import
- Carrier layouts
- Ready-made layouts include Aetna, Aflac, Colonial Life, Humana, MetLife, Mutual of Omaha and The Hartford. New layouts are added as customers need them
- Mapping
- Save one or more maps per carrier. Maps can trim policy number prefixes, adjust dates and do math
Matching and missing payments
- Matches on
- Policy number and carrier
- Names that don't match exactly
- It suggests close client and producer matches for you to approve and remembers them
- Lines it can't match
- They go to an exception screen, where you create or renew the policy, fix the date, retry or delete
How it finds missing pay
Carrier commission tables set what each policy should pay. The Payment Discrepancy report lists short, wrong and missing payments, and Accounts Receivable shows unpaid months and how overdue they are.
Fixing a mistake
Edit and repost a payment, or reverse it and reopen the month. A whole import can be reversed and run again, and deleted payments can be restored.
Splits, overrides and hierarchy
Split types
- Percent of agency commission
- Percent of premium
- Flat dollar amount
- Several primary producers on one policy
- House share of what's left
- Reusable split templates
Overrides and hierarchy
An override pays an upline on a downline's sale. Agent levels group producers by rate, and uplines set who reports to whom. The house sits at the top and keeps the rest.
Splits have start dates, so a promotion can apply to new business while old business keeps the old rate. Carrier tables can be versioned by billing date or effective date.
Advances, chargebacks and renewals
- Advances
- Enter producer advances as a flat amount or percent of premium. Carrier advances of 9 or 12 months mark those months as paid
- Chargebacks
- Enter as negative commission, and it flows to every producer paid that month
- Renewals
- Graded tables set new and renewal years. AutoRenew carries premium and splits forward for review
- Bonuses
- Bonuses and overrides post apart from regular commission
Medicare commissions
Batch renewal has a partial-term option that prorates premium to a 12-month cycle. It lines Medicare policies up to a January 1 renewal.
Producer statements and pay
- Statements
- Detailed, summary, by carrier, by client, yearly and year-to-date formats, in PDF or Excel
- Sending them
- Email PDF statements to every producer at once
- Producer portal
- Each producer sees their earnings, policy counts and the reports you allow. Support turns it on
- Paying producers
- You pay them. Commission Tracker shows what each is owed
- 1099s
- Yearly reports by producer help you prepare them
Done-for-you service
- What staff do
- Import your statements and keep carrier tables and producer splits up to date
- What you do
- Send statements, ideally in Excel, report changes, check the producer statements and pay producers
- Price
- From $187 a month for 4 hours and one login, then $30 an hour
- How often
- Weekly, twice a month or monthly
Producer licenses are added at $1 a month each. Extra hours need your approval and are billed at month end.
Integrations
It has no built-in CRM or agency system connections. Most customers run it next to their CRM, moving data in by spreadsheet import and out by report export.
Reports
Filter by carrier, producer, client, policy type, status, billing date and import session. A two-year look ahead projects future commission.
Security and access
Who sees what
Admins set what each user can do, such as deleting payments, opening pay reports or editing carrier tables. Producer portal access is set per producer and report.
Security
- Hosted on Amazon Web Services and encrypted
- Database backed up every 60 minutes
- Download an encrypted backup any time
- Policy history and deleted payment logs
- Google sign-in on the service upload portal
Contract and your data
- Term
- Month to month, no minimum
- Renewal
- Billed monthly until you cancel
- Canceling
- Email billing. It takes effect at once with no fee, and later months aren't charged
- Your data
- Export reports first. The license lets you keep database copies for your records
- After you cancel
- Your data is removed from the software
From Commission Tracker's license terms and help pages, checked October 2026.
What users say
What users mention most often, as of October 2026.
What users like
- Quick, knowledgeable support
- Accurate commission math
- Time saved over spreadsheets
- Flexible maps, rates and splits
- Catches discrepancies
- Emails producer statements
What users dislike
- Setup takes work
- Wish for more training on reports
- Dated look and desktop login
- No reminder when a statement is missing
Commission Tracker alternatives
- NextCommissionSolo from $133.33 a month billed yearlyBrowser-based, with branded sub-agent statements
- Core CommissionsFrom $10 a payee a month, 15 minimumRules engine for complex plans, with a managed service
- AgencyCompFrom $39.95 a monthCheaper, with a free trial and Medicare templates
- GreenWave CommissionQuote onlyFor uplines, with managed processing and accounting exports
- AgencyBlocQuote onlyCommission tracking inside a life and health agency system
See every option in insurance commission software.
Frequently asked questions
How much does Commission Tracker cost?
Independent Agent is $67 a month. Agency plans add $1 a month per producer, and the software plans have a $120 setup fee. The processing service lists none.
Can I try Commission Tracker first?
No free trial. You get a live demo on a screen share.
Can Commission Tracker read PDF commission statements?
Yes. Its PDFx tool turns a PDF statement into an Excel file you can import.
Will Commission Tracker process statements for me?
Yes. The processing service starts at $187 a month for 4 hours of staff time.
Do producers get their own login?
Yes. The producer portal shows each one their earnings and the reports you allow.
Does Commission Tracker handle Medicare renewals?
It can prorate premium and line Medicare policies up to a January 1 renewal.
How we researched this review. We based this review on the pricing, terms and product pages published by Commission Tracker, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Commission Tracker quit selling or a contract term that reads different now, let us know and send the link to the page where Commission Tracker has it. Somebody here pulls up that page and checks it before we change anything on ours.