10×10 Plan Reality Check: Rank Cheques and Level Income
In many direct selling meetings someone writes "10 × 10 × 10…" on a board and the number at the bottom has twelve zeros. This page puts that sum next to three things the board leaves out: how many people it needs, how much your rank is allowed to pay, and what you spend yourself.
1. Your plan's numbers
Rank table (tap a row to choose your rank)
| Rank | Cheque size | Max cheques | Levels paid | Pick |
|---|
2. Real life (be honest here)
3. What comes out
Level by level
| Level | People on level | People in total | Value of points |
|---|
4. Refer bonus check (F2 · F4 · F6)
Many plans pay a bonus when you bring new people inside a short period. F2 = 2 people, F4 = 4 people, F6 = 6 people. UV = the product pack each new person buys (1 UV small, 5 UV big).
| Pack | F2 (2 people) | F4 (4) | F6 (6) | Pick |
|---|
5. Binary step check (Left · Right)
In a binary plan your team has two sides. When the left side and the right side each reach a set amount of BV (for example 3,000 + 3,000), you get paid for one step. Leftover BV can carry to the next week. The amount per step depends on your rank, and each week has a max-out limit.
| Rank | Paid per step ($) | Pick |
|---|
Week by week
| Week | Left BV | Right BV | Steps | Paid ($) | Carry L | Carry R |
|---|
What this tool does
It takes the level plan exactly as it is usually drawn in meetings: you on level 1, ten people under you, ten under each of them, and so on. Every person buys a fixed number of points every month and every point has a money value. The tool adds this up level by level, just like the notebook.
Then it does what the notebook skips. It stops at the number of levels your rank is paid on. It turns the money into cheques of your rank's size and stops at the max-out limit. It runs the same tree a second time with the numbers you type for real recruiting and real retention. Finally it takes away what you spend yourself.
When to use it
- Before you join a plan, with the numbers from the presenter's board.
- When someone shows you a "passive income" sum with many zeros.
- When you are already in and want to know which rank is worth chasing.
- When you explain a plan to a new person and want to be fair to them.
How to read the result
Board promise vs. rank cap
The first box shows the board sum. The box next to it shows the most your rank can ever pay: cheque size × max cheques. If the board sum is bigger than the cap, the extra part simply does not reach you.
Active buyers you need
This is the most useful number on the page. It tells you how many people must keep buying their points every single month for you to get one cheque, and for you to reach the max-out. Compare it with how many people you personally know who would really do that.
Real life net
This is the paid cheques from your real-life tree, minus your own purchases and other costs. If it is red, you pay more than you earn in this period. That is common in the first year and it is fine to know it upfront.
Refer bonus (F2, F4, F6)
Pick the pack size your new people buy and type how many you really bring in one period. The tool shows your bonus, the bonus per person, and next to it what those people pay. That last number is easy to forget at a meeting. A bonus of 2,100 feels big until you see that two families paid many times more to make it happen. Also look at "people you must talk to": if 1 in 10 joins, F6 every period means 60 honest conversations each time.
Binary step check (left and right)
Type how much new BV really comes in on each side every week. The tool pays one step each time both sides reach the step size, carries the rest, and stops at the weekly max-out. The two numbers to look at are "steps per week to max out" and "purchases per week". If the board says a big weekly income, the last two boxes show how much buying, on both sides, every single week, that income needs. When one side is weak, almost nothing gets paid, even if the other side is huge.
Red rows in the table
A red row means the total people needed is bigger than the whole population of the Earth (about 8.2 billion). No plan can fill that level.
What it cannot tell you
- It does not know your company's official plan. The starting numbers come from one handwritten page. Copy the real figures from your company's compensation plan document.
- Many plans use binary legs, matching bonuses, pairing caps or weekly cycles. This tool uses a simple level model, so treat it as a first check, not a final answer.
- It cannot judge the product. If people would buy it even without the business, retention is higher. If they buy only to stay "active", it drops fast.
- It is not financial or legal advice. Tax, rules for direct selling and contracts differ by country.
FAQ
Is the 10×10 network marketing plan realistic?
The maths is right, but the people it needs are not there. Ten people under each person means one billion people at level 10 alone. Most real teams grow far slower, and many members stop buying within a year.
What is a max-out cheque or income cap?
Many plans limit how much one rank can earn. If a rank gets cheques of a fixed size and only a fixed number of them, the most you can earn is cheque size × maximum cheques, no matter how big the team gets.
Why does my notebook show crores but this shows much less?
Notebook sums multiply every level fully and forget the rank cap, the depth limit of your rank, the share of points you really receive, people who stop buying and your own costs. This tool adds all of them back.
Does this calculator know my company's real plan?
No. It starts with example numbers. Change the point value, the rank table and the percentage you receive so they match your company's official plan.
What do F2, F4 and F6 mean?
They are steps of a refer or fast-start bonus. F2 means you brought 2 new people in the bonus period, F4 means 4 and F6 means 6. The bonus also depends on the pack size (UV) each new person buys. Check whether the steps add up or whether each number is already the total.
How does a binary step commission work?
Your team is split into a left side and a right side. When both sides reach a set amount of BV, for example 3,000 each, you are paid one step. The amount per step grows with your rank. Leftover BV may carry to the next week, and there is usually a weekly max-out per tracking centre (TC).
Is my data saved or sent anywhere?
No. Everything is calculated inside your own browser. Nothing is uploaded and nothing is stored.