Commission Clarity compared with a spreadsheet and other agency platforms

An honest comparison of three ways to keep track of insurance commission: your own spreadsheet, a dedicated agency management platform (such as AgencyBloc or Commissionly), and Commission Clarity. The "agency platform" column below refers to those other platforms — Commission Clarity also has an Agency plan, but that is shown in the Commission Clarity column, not the agency platform one. There is no single right answer — the useful question is which job you need doing.

Spreadsheet

Best when the book is small and the rules are simple. Free, flexible and completely yours. The cost appears later: checking every statement line by hand is slow, so it gradually stops happening.

Other agency platforms

Dedicated agency management systems such as AgencyBloc, Commissionly or Applied Epic. Best for a larger agency that needs a back office: policy administration, carrier feeds, licensing and compliance. Broader than commission checking, and usually a quoted price with an implementation project. Commission Clarity is not in this category — it is a commission-checking tool that also supports agency teams.

Commission Clarity

Best when the question is "was I paid correctly?". It reads the Google Sheet you already keep, calculates the expected commission per policy and shows only the lines that need a decision — for one advisor or a whole agency.

Feature by feature

A tick means it is part of the product; a dash in amber means possible but with manual work; an em dash means not covered. The "Other agency platforms" column describes typical dedicated agency management systems (e.g. AgencyBloc, Commissionly, Applied Epic) — not Commission Clarity's own Agency plan, which is covered by the Commission Clarity column. Platforms differ, so treat that column as the typical case and check specifics with the vendor.

Capability	Commission Clarity	Spreadsheet	Other agency platforms
Expected commission per policy Calculates what each policy should pay from your own rules, per policy year.	Yes	Partly, with manual work	Yes
Automatic statement matching Matches imported statement lines to policies and lists the differences.	Yes	No	Yes
Unmatched payments listed separately Payments that belong to no policy in your records are collected in one place.	Yes	No	Partly, with manual work
Works on your own Google Sheet Your data stays in a spreadsheet you own; the app reads it rather than replacing it.	Yes	Yes	No
Per-rule advisor, mentor and agency splits A separate split for every commission rule, not one percentage per person.	Yes	Partly, with manual work	Partly, with manual work
Advisor sees only their own book Row-level separation, with the agency admin able to view the team or one advisor.	Yes	No	Yes
Client and task records (CRM) Clients, contacts, tasks and renewals alongside the commission data.	Yes	Partly, with manual work	Yes
Usable without an implementation project Connect a sheet and start; no data migration or onboarding programme.	Yes	Yes	No
Full agency back office Policy administration, carrier feeds, licensing and compliance workflows.	No	No	Yes
Free to try with sample data A complete demo with sample policies and statements, without signing up.	Yes	Yes	No

Expected commission per policy

Calculates what each policy should pay from your own rules, per policy year.

Clarity: Yes
Sheet: Partly, with manual work
Other: Yes

Automatic statement matching

Matches imported statement lines to policies and lists the differences.

Clarity: Yes
Sheet: No
Other: Yes

Unmatched payments listed separately

Payments that belong to no policy in your records are collected in one place.

Clarity: Yes
Sheet: No
Other: Partly, with manual work

Works on your own Google Sheet

Your data stays in a spreadsheet you own; the app reads it rather than replacing it.

Clarity: Yes
Sheet: Yes
Other: No

Per-rule advisor, mentor and agency splits

A separate split for every commission rule, not one percentage per person.

Clarity: Yes
Sheet: Partly, with manual work
Other: Partly, with manual work

Advisor sees only their own book

Row-level separation, with the agency admin able to view the team or one advisor.

Clarity: Yes
Sheet: No
Other: Yes

Client and task records (CRM)

Clients, contacts, tasks and renewals alongside the commission data.

Clarity: Yes
Sheet: Partly, with manual work
Other: Yes

Usable without an implementation project

Connect a sheet and start; no data migration or onboarding programme.

Clarity: Yes
Sheet: Yes
Other: No

Full agency back office

Policy administration, carrier feeds, licensing and compliance workflows.

Clarity: No
Sheet: No
Other: Yes

Free to try with sample data

A complete demo with sample policies and statements, without signing up.

Clarity: Yes
Sheet: Yes
Other: No

Stay with a spreadsheet if

you have a few dozen policies and one or two commission rules;
you already reconcile every statement and it takes minutes;
no one else needs access to a filtered part of the data.

Choose another agency platform if

you need policy administration and carrier data feeds;
licensing, appointments and compliance workflows must live in one system;
you have the budget and time for an implementation project.

Commission Clarity is not a full agency management system — it covers commission checking, portfolio records and advisor-level reporting, and can run alongside one of these platforms if you need both.

Choose Commission Clarity if

your commission arrives as statements you never fully verify;
your records already live in Google Sheets and you want to keep them there;
you need advisor, mentor and agency splits that differ per commission rule;
each advisor should see only their own book while the agency sees everything.

Open the free demo See plans and pricing How the commission tracking works

Frequently asked questions

Is Commission Clarity a replacement for a full agency management system?

No. It is a commission-checking tool that also supports agency teams — advisor, mentor and agency splits, row-level access and team reporting. Policy administration, carrier feeds, licensing and compliance workflows belong to a dedicated agency management platform (such as AgencyBloc, Commissionly or Applied Epic), and larger agencies often run both side by side.

Why not just use a spreadsheet?

A spreadsheet stores the data well and compares it badly. Checking statements means matching every paid line against an expected amount per policy, month after month. That is the part that stops happening by hand, and it is exactly what Commission Clarity automates — while still reading your own Google Sheet.

Do I have to move my data out of Google Sheets?

No. Commission Clarity reads the sheet you already keep, so your records stay in a file you own and can export or stop sharing at any time.

How does it compare on price?

It is priced per advisor with agency plans on top, and the current figures are on the pricing page. Full agency management platforms are usually quoted per agency after a sales process, so compare total cost including setup rather than headline rates.

Can I try it before deciding?

Yes. The demo runs on sample policies and statements with no sign-up, including the agency view.