Net Recovery Estimator
Merion operates on a commission-only basis — you only pay on what we actually collect. This tool shows you the net amount that would land back in your account after our commission, so you can make an informed decision before referring a debt.
How the estimate works
It's deliberately simple: the commission is the amount recovered multiplied by the rate, and what you keep is the amount recovered less that commission. We've assumed the debt is recovered in full; partial recoveries are charged the same way, on whatever is actually collected.
This is a general, indicative estimate for illustration only — not a quote, and not financial or legal advice. It does not include GST or any disbursements that may apply, and recovery is never guaranteed. Your commission rate and terms are confirmed in writing before any work begins.
How to read the result
The calculator takes the amount you expect to recover and applies the commission rate to give you the net figure. The commission rate is pre-filled with a typical headline rate — the actual rate you'd be quoted depends on the size, age, and complexity of the account.
This estimate assumes full recovery. In practice, recovery rates vary — older debts and debtors with limited assets typically result in partial recoveries. But the commission model means you never pay more than a share of what comes in.
Why the commission model works in your favour
Because Merion's fee is a percentage of what is actually recovered, our incentives are aligned with yours. We have no reason to take on an account we don't think we can collect, and we have every reason to maximise what we recover. If we collect nothing, you owe nothing.
Compare this to instructing a solicitor at an hourly rate — you pay regardless of the outcome. The commission model eliminates that risk entirely.
See also: Cost of late payment calculator — what your overdue book is costing you to hold; Recovery ROI calculator — the net advantage of referring vs writing it off.
This is a general, indicative estimate for illustration only — not a quote, and not financial or legal advice. It does not include GST or any disbursements that may apply, and recovery is never guaranteed. Your commission rate and terms are confirmed in writing before any work begins.
No recovery, no fee — ever.
Refer a debt to Merion and pay only on what we collect. Get an obligation-free appraisal first.