What this calculator does
This calculator shows the real financial result of an MLM. It subtracts startup costs, monthly fees, and months of low income from total earnings.
The math
Net income = (average monthly income × months active) − startup cost − (monthly cost × months active). Hourly rate = net income ÷ hours worked if you also enter hours.
Worked example
A $299 startup, $100 monthly cost, $75 monthly income, and 12 months active results in a net loss of $1,199 before counting your time.
Why this matters
High-fee products are designed to look small per week and huge in total. This calculator exposes the full cost so you can compare it to real alternatives.
Methodology and transparency
This page publishes the exact formula used to compute the result, so you can verify it in a spreadsheet or check the assumptions against your own situation. The worked example uses the tool default inputs; change any number and the result updates live in your browser. No data is sent or stored.
Common questions
Do most people make money in MLMs?
No. Most MLM participants lose money or earn very little after expenses.
What counts as a cost?
Startup kits, monthly website fees, samples, inventory, conference tickets, and any other spending required to participate.
How is this different from a side hustle?
A real side hustle pays for real work. MLMs often pay mainly for recruiting, which is unsustainable for most.