Free tool

What is your club leaking?

Three inputs. The assumptions behind every line are stated and adjustable, because a calculator that hides its math is a sales page wearing a lab coat.

Active members

Average monthly dues ($)

Draft failure rate — 5.0%

Independent clubs commonly land somewhere between 3% and 8% of billed dues failing in a given month. If you don't know yours, 5% is a reasonable middle. Your billing platform's decline report has the real number, and finding it is the first thing we'd do.

Estimated monthly picture

Monthly EFT billed$12,800

Drafts that fail−$640

Clears on its own (assumes 45%)$288

Written off each month$352

Same figure, annualized$4,224

With a recovery process running

Recovered from the written-off pool (assumes 45%)$158

Your fee tier—

Monthly service feen/a

Net per month—

Net over twelve months—

Enter your member count and average monthly dues above.

Fee tiers by monthly dues billed: under $10k, we don't sell the monthly service. $10k–$25k is $99/mo, $25k–$60k is $199/mo, $60k and up is $349/mo. The tier scales with the size of the pool being worked so the fee stays below the recovery at every size.

The assumptions, out loud

45% clears passively. Some declines resolve on their own — the member notices, the bank retries, the card gets updated. This is the share we assume you're already getting without doing anything, so the calculator doesn't take credit for it.
45% of the remainder is recoverable. That's the pool a real sequence goes after. It is an estimate, not a promise, and it varies a lot with how many of your declines are expired cards (highly recoverable) versus closed accounts (mostly not).
Nothing here counts the second-order money — the members still training on a broken draft, or the ones who would have cancelled and got saved instead. Both are real and neither is in these figures, because they're harder to estimate honestly.

If the math says don't buy the service, don't buy the service. Under about $10,000 a month in billed dues, a monthly fee eats the recovery no matter how we price it, and the honest answer is the $147 playbook pack so your own staff runs the sequence and keeps every dollar. We'd rather have that conversation now than a refund request in six weeks.

Want the real number instead of an estimate?

Draft Recovery, $299 to start. We map your billing export, build the recovery sequence around your club's actual decline reasons, and run a full pass on everything currently outstanding. You get a report showing exactly what was chased and what came back.

Start recovery — $299 Estimate my leak first

Ongoing monthly recovery starts at $99/mo, priced by the size of your billing run, and cancels anytime. If the first pass recovers less than the $299 you paid, the difference comes back — you cannot end up behind.