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Recoverable vs Non-Recoverable Draw Calculator
Model ramp-period cash flow when a device sales offer includes a draw against future commission. Illustrative only—confirm draw terms in your offer letter.
- • Recoverable draw: commission pays back the advance until the balance is zero.
- • Non-recoverable draw: guaranteed supplement during ramp; commission is additive.
- • Device employers often use 3–9 month draws while territory pipeline builds.
12-mo net cash
$127,000
Draw repaid
$24,000
Peak balance owed
$3,000
| Month | Base | Draw | Commission | Repayment | Net cash | Balance |
|---|---|---|---|---|---|---|
| 1 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $500 |
| 2 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $1,000 |
| 3 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $1,500 |
| 4 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $2,000 |
| 5 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $2,500 |
| 6 | $7,083 | $4,000 | $3,500 | $3,500 | $11,083 | $3,000 |
| 7 | $7,083 | $0 | $3,500 | $3,000 | $7,583 | $0 |
| 8 | $7,083 | $0 | $3,500 | $0 | $10,583 | $0 |
| 9 | $7,083 | $0 | $3,500 | $0 | $10,583 | $0 |
| 10 | $7,083 | $0 | $3,500 | $0 | $10,583 | $0 |
| 11 | $7,083 | $0 | $3,500 | $0 | $10,583 | $0 |
| 12 | $7,083 | $0 | $3,500 | $0 | $10,583 | $0 |
Illustrative model only. Draw timing, payout cadence, and chargeback rules vary by employer. Verify terms before accepting an offer.
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