Worksheet
MLM expense worksheet
Use this page to compare money received with money paid. The goal is not shame. The goal is a clear number.
Tap a cell in the Amount column and type a number. The totals add up in your browser as you go. Nothing you type is sent anywhere or saved — close the tab and it is gone. The page also prints cleanly if you prefer to fill it in by hand.
Start here:
- Start with the numbers, not shame.
- Gross income is not profit.
- You can pause new purchases while you review.
- A serious opportunity can survive a clear expense check.
Gross income means money received before expenses. Net income means money left after expenses.
Money received
| Item | Amount | Notes |
|---|---|---|
| Payments from the company | ||
| Retail profit from customers outside the opportunity | ||
| Product returned or refunded | ||
| Total money received |
Money paid
| Cost | Amount | Required, optional, or common? |
|---|---|---|
| Joining fee, starter kit, or registration | ||
| Product orders or inventory | ||
| Autoship or product subscription | ||
| Website, app, tools, leads, or software | ||
| Training, coaching, books, or audio | ||
| Events, tickets, hotels, meals, or travel | ||
| Samples, shipping, taxes, ads, or marketing | ||
| Licensing, background checks, exams, or renewals | ||
| Total money paid |
Net result
| Total money received | |
|---|---|
| Minus total money paid | |
| Estimated net income after expenses | |
| Hours spent (optional) |
Questions to ask after filling this out
- Which costs are required to join, qualify, or stay active?
- Which costs are described as optional but common in practice?
- What can be canceled today?
- What can be returned, and by what deadline?
- Does the income disclosure show results before or after expenses?
Read next
- Gross Income Is Not Profit
- Before You Pay
- How to find your cancellation and refund deadline
- Questions to ask before joining an MLM
- Already joined? Start with the numbers, not shame
Sources
-
Regulator guidance
Multi-level Marketing Businesses and Pyramid Schemes
-
Regulator guidance
Business Guidance Concerning Multi-Level Marketing