Income disclosure reading guide
MONAT income disclosure: what to read before joining
If you read only this:
- Start with the company disclosure, but do not stop there.
- Check who is counted, who is excluded, and whether expenses are subtracted.
- Ask what comparable new participants kept after ordinary costs.
What to do next:
- Check who is included and excluded.
- Ask whether the numbers subtract expenses.
- Compare the disclosure with the compensation plan and refund rules.
What the company discloses
| Data year | 2025 |
|---|---|
| Median at the most common rank | $8 for the year |
| All-rank average | $665 for all U.S. Market Partners |
| Inactive/no commissions | 44% of U.S. Market Partners |
| Reported as | Gross, before expenses |
- MONAT reports average and median annual gross earnings by rank for active and inactive U.S. Market Partners.
- The 2025 disclosure shows 91.69% of U.S. Market Partners in the first rank, where the median annual gross earnings figure is $8.
- MONAT reports average annual income of $665 for all U.S. Market Partners at all ranks, and says 44% were not active in 2025 and therefore did not earn commissions.
- MONAT states that the figures do not include expenses or profits and losses from product resale.
What is not clear from the disclosure alone
- The disclosure does not show net income after product, samples, shipping, renewal fees, events, training, taxes, travel, or other costs.
- It does not show the typical first-year net result for a new Market Partner.
- Product resale profit or loss is not included in the disclosed gross earnings figures.
Common costs to check:
- Product, samples, shipping, and taxes.
- Starter kits, renewal fees, websites, apps, or back-office tools.
- Training, events, tickets, travel, meals, lodging, and childcare.
- Advertising, giveaways, displays, packaging, or payment fees.
- Licensing, exam prep, background checks, or required continuing education.
- Unsold inventory and unpaid time.
Gross income is not the same as money kept after these costs.
Why this matters
A rank table can make high-rank results visible while most participants are at lower ranks.
Gross earnings before expenses can look very different from money kept after costs.
Not a verdict: This page is not a judgment about MONAT or the person who contacted you. It is a guide to
written facts, costs, income disclosures, public records, and questions to ask before making a money decision.
Questions to ask before joining
- Which rank includes most Market Partners, and what is the median at that rank?
- What did comparable new Market Partners keep after expenses?
- What product, sample, event, shipping, or renewal costs are common?
Source notes
- Read the current MONAT disclosure with the compensation plan and return rules.
- Treat gross earnings as a starting point, not profit.
Related pages
- MONAT company page
- Someone pitched me MONAT. What should I ask?
- Income disclosure library
- What MLMs pay, according to company disclosures
- Median vs. average in MLM income disclosures
- Who is counted in MLM income disclosures?
- Expenses not included in MLM income disclosures
- Gross Income Is Not Profit
- What should an MLM income disclosure show?
- Before You Pay
Sources
-
Company disclosure
MONAT USA 2025 Income Disclosure Statement
-
Regulator guidance
Business Guidance Concerning Multi-Level Marketing
Correction request
To request a correction, email corrections@boringanddevastating.com with this page URL, the specific text at issue, and supporting public sources.