Frequently Asked Questions

Have a question that’s not in the FAQ?

Please contact us for assistance, we're happy to help 🙂

Which Mortgage Aggregators are supported?

We currently support:

If you would like to request support for your aggregator, please contact us and let us know 🙂️

What do I upload?

Click the links below to see what to upload for each aggregator:

If you’d prefer a video guide, you can watch one by clicking here.

For AFG Brokers

AFG provides brokers with two types of commission reports each month:

  1. Trail Report: Your monthly trail commission statement, showing ongoing trail payments for your loan book. This is the primary report used by Track My Trail for analysis.
  2. Upfront Report: A separate report listing upfront commissions paid on newly settled loans. Uploading these enables Commission Verification, which checks that every settled loan is receiving its trail.

Both reports arrive as .csv files and are uploaded to the same place: your Trail Book History.

Trail Reports

Every month AFG sends a monthly trail report (an excel spreadsheet) via email.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two monthly trail reports that AFG has sent you without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .csv file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please go back to the emails AFG sent you and save the original files as AFG sent them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

If you can’t find your trail reports in your inbox, you can also download them directly from AFG Flex.

For step-by-step instructions, see AFG’s guide on How to Run Commission Reports via FLEX and Analytics (requires AFG login to view).

This AFG help article also provides guidance on how to update the authorised email addresses for your commission reports.

Upfront Reports

In addition to trail reports, AFG sends a separate upfront commission report each month. This report lists the upfront commissions paid on newly settled loans.

Uploading your upfront reports enables Commission Verification, which checks that every loan you settled is receiving trail within two months of settlement.

Upload your upfront reports to your Trail Book History in the same way you upload your trail reports, without modifying the spreadsheets.

They should have a .csv file extension if they are unmodified, with the COMMISSION_TYPE column set as Upfront Commissions.

If you've followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you're experiencing.

For LMG Brokers

LMG has two types of reports:

  1. Run reports ✅: Raw data spreadsheets with a single sheet containing loan-level transaction rows (columns like Invoiced Date, Customer, Loan Amount, Income, Lender). Plain formatting, no graphs - just your commission data in table form.
  2. End of month summary reports ❌: Polished dashboards with the Loan Market logo, embedded charts (bar graphs, gauges), and 8+ summary sheets at the bottom (Volume Broker Summary, Trail Broker Summary, etc.).

Track My Trail uses the Run reports, which have “AGMT RUN” in the filename followed by a run number and date, e.g.:

____ AGMT RUN 1 Jan 26.xlsx

This file arrives as an .xlsx Excel workbook.

The image below shows what the Run reports looks like in Excel:

LMG Trail Reports

The image above is probably too small to read. Click here to see the full sized image.

Upload this .xlsx file exactly as it is, without modifying it.

LMG sends you 2-5 trail reports across the month via email, split up depending on when the lender pays your trail commissions.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

You can upload the spreadsheets exactly as they are, without having to fiddle around copy-pasting anything.

Upload two months’ worth of data (2-5 spreadsheets per month, so 4-10 spreadsheets in total) that LMG has sent you without modifying the spreadsheets.

For example, if you wanted to compare July 2024 to August 2024, you would upload the following trail reports:

  • August 2024 (four spreadsheets)
    • ____ AGMT RUN 1 Aug 24.xlsx
    • ____ AGMT RUN 2 Aug 24.xlsx
    • ____ AGMT RUN 3 Aug 24.xlsx
    • ____ AGMT RUN 4 Aug 24.xlsx
  • July 2024 (four spreadsheets)
    • ____ AGMT RUN 1 Jul 24.xlsx
    • ____ AGMT RUN 2 Jul 24.xlsx
    • ____ AGMT RUN 3 Jul 24.xlsx
    • ____ AGMT RUN 4 Jul 24.xlsx

Which is four spreadsheets for each month, and eight spreadsheets in total.

Note that you may have only three runs for a month, and that’s not a problem. Track My Trail can handle up to five runs per month for LMG.

Example shown below.

LMG Trail Reports Upload

Drag and drop these trail commission reports into the app here without modifying the spreadsheets (this link will take you to the LMG portal. Not with LMG? Click here instead).

The trail reports should have a .xlsx file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please go back to the emails LMG sent you and save the original files as LMG sent them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For SFG Brokers

New SFG Format

SFG provides brokers with two types of reports each month:

  1. Trail Report ✅: Contains the Trail Details sheet; sent mid-month (around the 16th)
  2. Upfront Report ❌: Contains the Upfront Details sheet; sent at end of month

Track My Trail uses the Trail Report, which has Trail Details as the second sheet. This file arrives as an .xlsx Excel workbook.

The image below shows what the Trail Report looks like in Excel, noting the Trail Details sheet is present:

SFG Trail Reports Upload

Upload this .xlsx file (the whole thing, not just the Trail Details sheet) exactly as it is, without modifying it.

Note that if the spreadsheet contains both the Trail Details sheet and the Upfront Details sheet, it will work as expected; but it must contains the ‘Trail Details’ sheet.

SFG brokers can obtain their trail reports in two ways:

Option 1: Email Delivery (Recommended)

Every month, SFG automatically emails trail reports to their brokers as part of their monthly pay run cycle.

The Trail Report is typically emailed around the 16th of each month and contains trail commission data from two months prior (e.g., mid-April email contains February trail data).

These emails will have attachments with filenames like BROKER NAME - Head Agreement Holder-INVOICE-XXXXXX.xlsx.

To use Track My Trail, save these trail reports without modifying them, and upload your chosen two reports on the analysis page to get a detailed breakdown of your trail data.

Option 2: Portal Export

This is for SFG brokers who are on the updated SFG platform at sfg.portal.assistbroker.com.

Alternatively, you can login to the SFG portal and export trail reports via the RCTI tab.

Once logged in, navigate directly to the RCTI page to export your trail reports by clicking here.

SFG should email you these exported trail reports, with the subject line RCTI for commission period < date > to < date >.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two months of trail reports that SFG has sent you without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .xlsx file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please go back to the emails SFG sent you and save the original files as SFG sent them.

Your spreadsheet should have a couple sheets in it, one named ‘RCTI Details’ and one named ‘Trail Details’, as shown below:

SFG Trail Reports Upload

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

Old SFG Format [Xplan]

This is for SFG brokers who are still on the older Xplan platform.

Log on to your SFG Xplan dashboard here.

Click on CommPay (the shaking hands) → Transactions in the left-hand sidebar.

SFG Part 1

In the “Group By” dropdown, change it from “Account” to “Trail Commission Report”.

In the “Search Period” dropdown, change it from “All” to “Specify Payment Period”.

You can select any “Year” and “Interim Payment” you want, so long as you select a “Final run” trail commission report, e.g. October 2023 Trail commissions (Final Run).

See example below:

SFG Part 2

Once you’ve selected your desired month, hit “Search” in the top right-hand corner, then hit “CSV”.

(Do not export as an Excel file. It won’t work 😢️)

SFG Part 3

You’ll get a message that your file is being generated in the background:

SFG Part 4

While it does, change the “Interim Payment” dropdown to the next month you want to analyse.

For example, if you wanted to compare November 2023 to October 2023, you would export the following trail reports as CSV files:

  • October 2023 Trail commissions (Final Run)
  • November 2023 Trail commissions (Final Run)

Drag and drop these trail commission reports into the app here without modifying the spreadsheets.

If you’ve accidentally modified the spreadsheets, please go back to your SFG Xplan dashboard and re-export them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Finsure Brokers

Finsure provides brokers with two types of reports:

  1. Trail Report (contains multiple sheets, including Summary, Upfront Data, and Trail Data)
  2. RCTI Report (contains a single Invoice sheet)

Track My Trail uses the Trail Report, not the RCTI report.

The image below shows the sheets of the Trail Report in Excel:

Finsure Monthly Trail Report Template

Upload this file exactly as it is, without modifying it.

Every month Finsure sends their brokers trail reports, multiple excel spreadsheets, via email.

Track My Trail uses the Trail Report file, which is the one that contains the Summary, Upfront Data, and Trail Data sheets.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify the spreadsheets.

Upload two monthly trail reports that Finsure has sent you without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

The files should have a .xlsx file extension if they are unchanged.

If you’ve accidentally altered the spreadsheets, please go back to the emails Finsure sent you and save the original files as Finsure sent them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing, we’re happy to help.

For Connective Brokers

Follow the steps outlined by Connective here to export your trail reports.

Method 1 is the preferred way to export your trail reports.

If the Download RCTI Summaries button in the top left corner is greyed out (even after you bulk select the trail periods), you can use Method 2.

Method 2 exports individual reports using the CSV Export button located on the right-hand side.

In either case, we want to get two monthly trail reports in excel format (.xls).

Method 1: Bulk Download RCTI Summaries

  • Start by bulk selecting the trail periods you need by holding down the Ctrl key (or Command ⌘ key on a Mac) and clicking on the statements.
  • Once you’ve selected the desired periods, click the Download RCTI Summaries button in the top left corner of the screen.
  • This will generate a summary for all the selected periods in one action.
Connective Export Trail Reports RCTI Summaries

If the RCTI Summaries button is greyed out, use Method 2 instead.

Export two monthly trail reports by using this bulk method. Do not export them as CSV files in this step; it won’t work for this use case. For example, upload your most recent two trail reports.

You’ll know you have the right file because it will be in excel format (.xls). Ensure that you save the file exactly as-is without modifying it.

You can also export two files over a longer period (e.g. your Jan 2022 and Jan 2023 reports) if you want to explore how your trail book has changed over a longer time frame.

To make things easier, we’ve made the app so no modifications to the spreadsheet are required.

Upload your two monthly trail reports without modifying the spreadsheets.

If you’ve accidentally modified the spreadsheets, please go back to your Connective dashboard and re-export them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

Method 2: CSV Export (if Download RCTI Summaries is Greyed Out)

  • If the Download RCTI Summaries button is greyed out, you can still retrieve your reports.
  • Select an individual period by clicking on a specific trail period from the list.
  • Click the CSV Export button located on the right-hand side of the screen.
  • Repeat the process for each period that you need to download.
CSV Export Option for Broker Monthly Trail Report in Connective

Even when using the CSV Export option above, the files should be in .xls format by default. Ensure that you save the file exactly as-is without modifying any of the contents.

You can also export two files over a longer period (e.g. your Jan 2022 and Jan 2023 reports) if you want to explore how your trail book has changed over a longer time frame.

You’ll know you have the right file because it will be in excel format (.xls).

To make things easier, we’ve made the app so no modifications to the spreadsheet are required.

Upload your latest two monthly trail reports without modifying the spreadsheets.

If you’ve accidentally modified the spreadsheets, please go back to your Connective dashboard and re-export them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Vow Financial Brokers (YBR Aggregation)

New Vow/YBR Format

From September 2025, most Vow brokers have been rolled onto this new trail report format.

Track My Trail uses the emailed Trail Report, which arrives as an .xlsx Excel workbook containing the RCTI Details and Trail Details sheets.

The image below shows what the Trail Report looks like in Excel, noting the Trail Details sheet is present:

Vow and YBR Trail Report Example

Upload this .xlsx file (the whole workbook, not just the Trail Details sheet) exactly as it is, without modifying it.

Every month, Vow Financial emails the Trail Report directly to you as an .xlsx workbook that contains the RCTI Details and Trail Details sheets.

Leave the workbook exactly as received, do not export individual sheets or convert it to another format. Upload the original .xlsx file in full.

These attachments usually follow filenames such as BROKER NAME - INVOICE-XXXXXX.xlsx. Save them without changing anything, then upload your chosen two reports on the analysis page for comparison.

If you’ve accidentally modified one of the files, re-download the original email attachment before uploading it. If you’ve followed these steps and the analysis still isn’t working, please contact us with the details of the error you’re experiencing.

Old Vow/YBR Format

This applies to trail reports received before September 2025 or if you still receive the legacy portal format.

Old reports contain a single sheet named Commission Statement which details all of your trail and upfront commissions.

Important: For the old Vow Financial reports, you’ll need to open each trail report and save them as an Excel Workbook (.xlsx) before uploading them.

Note this only applies to the old Vow Financial reports. The new Vow Financial reports are already in the correct format.

Vow Financial Trail Report Template

Please ensure that you don’t accidentally modify the spreadsheets before saving them.

Export two monthly trail reports from Vow Financial’s broker portal.

Open the files in Excel, and save them as an Excel Workbook (.xlsx).

To make things easier, we’ve created the app so that you can directly upload these .xlsx spreadsheets into Track My Trail without needing to modify the trail reports.

If you’ve accidentally modified the spreadsheets, please go back to the Vow Financial portal and save the original files.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Choice Brokers (Legacy)

Since Choice has merged into LMG, you may find the updated section on LMG more useful. This section is maintained for analysis of older trail reports.

Export two monthly trail reports from Choice in excel format (.xls) (i.e. do not export them as .csv files). For example, you might upload your most recent two trail reports.

You can also export two files over a longer period (e.g. your Jan 2022 and Jan 2023 reports) if you want to explore how your trail book has changed over a longer time frame.

To make things easier, we’ve made the app so no modifications to the spreadsheet are required.

Upload your latest two monthly trail reports without modifying the spreadsheets.

If you’ve accidentally modified the spreadsheets, please go back to your Choice dashboard and re-export them.

By default, your trail report should contain three sheets named SummarySheet, TrailAgreementHolder, and NilTrailPayment, as below:

Broker Monthly Trail Report Template For Choice

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Regfin Brokers

Upload your Regfin trail reports directly on the Regfin portal.

This will save as your default portal after your first upload.

Regfin (Regional Finance Solutions) sends you multiple trail reports across the month via email, up to three reports in total.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

You can upload the spreadsheets exactly as they are, without having to fiddle around copy-pasting anything.

The right file will be in .xlsx format.

Upload two months’ worth of data (up to 3 spreadsheets per month, so up to 6 spreadsheets in total) that Regfin has sent you without modifying the spreadsheets.

For example, if you wanted to compare July 2024 to August 2024, you would upload the following trail reports:

  • August 2024 (up to three spreadsheets)
    • August 2024 - Run 1
    • August 2024 - Run 2
    • August 2024 - Run 3
  • July 2024 (up to three spreadsheets)
    • July 2024 - Run 1
    • July 2024 - Run 2
    • July 2024 - Run 3

Which is up to three spreadsheets for each month, and up to six spreadsheets in total.

If you’ve accidentally modified the spreadsheets, please go back to the emails Regfin sent you and save the original files as Regfin sent them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Outsource Financial Brokers

New Outsource Financial Format

Outsource Financial updated their report format in July 2025:

  1. New Reports (as of July 2025) - come as .xlsx files that can be uploaded directly
  2. Old Reports (before July 2025) - need to be saved as .csv files before uploading

Track My Trail automatically detects which format you’re using and processes it automatically.

The image below shows what the New Report format looks like:

Outsource Financial New Format Trail Reports

Upload these files exactly as they are, without modifying them.

Referrals Tab Type Values

If your Outsource Financial RCTI includes a Referrals sheet, each row’s Type column must contain TRAIL, UPFRONT, or CLAWBACK — matching exactly what Outsource Financial puts in that column. We upload all three payment types; clawback rows offset your trail totals in Trail Book History dashboards.

Every month, Outsource Financial emails trail reports to their brokers as part of their monthly commission cycle.

For the New Format (as of July 2025), these reports come as .xlsx files that can be uploaded directly into Track My Trail.

To make things easier, we’ve created the app so that you can directly upload these .xlsx spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two monthly trail reports that Outsource Financial has sent you without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .xlsx file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please go back to the emails Outsource Financial sent you and save the original files as Outsource Financial sent them.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

Old Outsource Financial Format

This is for Outsource Financial reports from before July 2025.

Important: You’ll need to open the trail reports and save them as .csv files before uploading them.

Please ensure that you don’t accidentally modify the spreadsheets before saving them.

For older Outsource Financial reports (before July 2025), you’ll need to open the trail reports and save them as .csv files before uploading them.

Please ensure that you don’t accidentally modify the spreadsheets before saving them as .csv files.

To make things easier, we’ve made the app so no modifications to these .csv files are required.

Upload two of these .csv files without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

If you’ve accidentally modified the spreadsheets, please go back to your Outsource Financial portal and re-export the original files.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For nMB Brokers (National Mortgage Brokers)

Export two monthly trail reports from the nMB (National Mortgage Brokers) broker portal.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two monthly trail reports without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .csv file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please go back to the nMB broker portal and re-export the original files.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Mortgage Choice Brokers

Please use the trail reports exactly as provided to you by Mortgage Choice, which should have a .xlsx file extension.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two monthly trail reports without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .xlsx file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please download the original files as provided by Mortgage Choice.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

For Aussie Brokers

Please use the trail reports exactly as provided to you by Aussie, which should have a .xls file extension.

To make things easier, we’ve created the app so that you can directly upload these spreadsheets into Track My Trail without needing to modify these trail reports.

Upload two monthly trail reports without modifying the spreadsheets. For example, you might upload your most recent two trail reports.

They should have a .xls file extension if they are unmodified.

If you’ve accidentally modified the spreadsheets, please download the original files as provided by Aussie.

If you’ve followed these steps above and the analysis is still not working for you, please get in touch with us with details of the error you’re experiencing.

Generic (All Other Trail Reports)

If your aggregator isn’t listed above, or you have a custom report from an off-panel lender, you can use our Generic upload template to upload your data.

Download the Generic Upload Template (CSV)

How to use the Generic upload template:

  1. Download the template above and open it in Excel or Google Sheets.
  2. Add one row per loan per payment period. If the same loan has payments across multiple months, add a separate row for each month.
  3. Keep the column headings exactly as they are in the template, don’t rename or reorder them.
  4. When you’re done, save the file as a .csv (not .xlsx or .xls) and upload it to your trail history.

Required columns (every row must have a value):

  • Payment Date: The date the payment was received. If your report is monthly, use the first day of that month (for example, 01/01/2026 for January 2026). Accepted formats: 31/01/2026 or 2026-01-31.
  • Loan ID: The loan or account number.
  • Client Name: The borrower or customer name.
  • Lender: The lender name.
  • Loan Balance: The balance outstanding at the payment date (the running balance for that month), not the original settled amount. Numbers only, no dollar signs or text.
  • Commission (ex GST): Enter the commission amount excluding GST. Numbers only, no dollar signs or text.
  • Payment Type: Must be one of: Trail, Upfront, Clawback, Arrears, or Adjustment. Use these exact labels only; legacy aliases and deduction descriptors aren’t accepted for Generic uploads.
  • Settlement Date: The date the loan originally settled. Accepted formats: 31/01/2026 or 2026-01-31.

Optional columns (leave blank if you don’t have this data):

  • Aggregator (Optional): Leave this blank to default that row to Generic, or enter one of: AFG, Connective, Finsure, SFG, LMG, Amanah, Vision Group Workbook, Vow, Choice, Akumin, RegFin, Mortgage Choice, Aussie, Outsource Financial, NMB, or Astute.

    If you’d like to add the name of your aggregator so that it shows up in your reports and dashboards, please contact us and we’ll add support for it.

  • Broker Name (Optional): The broker who wrote the loan.
  • Business Name (Optional): Your business or book label, if you manage multiple.
  • Loan Amount (Optional): The original settled loan amount at settlement, not the current outstanding balance.
  • Loan Type (Optional): For example, Residential, Commercial, or Asset Finance.
  • Referrer Name (Optional): The referrer for that loan, if any.

Good to know:

  • You can include multiple aggregators and multiple payment dates in a single file.
  • Duplicate rows are automatically blocked. We treat rows as duplicates when Loan ID, Payment Date, Lender, Payment Type, Loan Balance, and Aggregator all match. If Aggregator (Optional) is blank, we treat it as Generic.

If you’ve followed these steps and the upload still isn’t working, please get in touch with us with details of the error you’re experiencing.

Can I upload more than two months at once?

Yes, our new Trail Book History feature lets you upload and analyse multiple months of trail reports at once.

Currently we support

  • AFG
  • Akumin
  • Amanah
  • Aussie
  • Choice
  • Connective
  • Finsure
  • LMG
  • Mortgage Choice
  • Outsource Financial
  • RegFin
  • SFG
  • Vow/YBR (updated report format from September 2025 onwards)
  • Generic (all other trail reports via CSV template)

Watch the demo here to see these features in action.

After countless requests from brokers wanting to analyse their trail book over longer periods, we’ve developed our most powerful feature yet: Trail Book History.

This new feature revolutionises how you manage and analyse your trail book by offering:

  • Secure Trail History: Securely store your trail reports at Track My Trail, upload once, analyse anytime.
  • Historical Analysis: Compare month to month, quarter to quarter, or year to year of your trail book history without re-uploading reports.
  • Missing Trail Detection: Automatically identify trail that disappeared one month and reappeared in later months.
  • Long-term Performance Tracking: View comprehensive trends and patterns in your trail book, upfront, and loan book value over time.
  • Lifetime Value Analytics: Project future trail earnings per client under dynamic discharge assumptions (average discharge time, 20-year, and 30-year scenarios) to quantify client lifetime value and prioritise retention strategies.

We currently support the following aggregators for long-term performance tracking:

  • AFG
  • Akumin
  • Amanah
  • Aussie
  • Choice
  • Connective
  • Finsure
  • LMG
  • Mortgage Choice
  • Outsource Financial
  • RegFin
  • SFG
  • Vow/YBR (from September 2025)
  • Generic (all other trail reports via CSV template)

This feature is opt-in. Your data is not stored unless you opt-in to use the Trail Book History feature.

Your security is our priority, all sensitive client data in Trail Book History is encrypted, ensuring your trail book information is protected.

If you’d prefer not to store your data, our Quick Analysis feature still provides month-on-month insights without storing information from your trail reports.

What does Missing Trail Analysis detect?

Missing Trail Analysis scans your trail history for gaps - periods where a loan’s trail payments dropped off and later reappeared.

If a client’s trail stops and never comes back, that’s a discharge, not missing trail. We flag discharges separately.

For example, if a client’s trail runs from January through March, drops off entirely in April, May, and June, and then reappears in July - that three-month gap is exactly what Missing Trail Analysis flags for you.

How does the history window affect this?

Missing Trail Analysis only examines data within your plan’s history window:

  • Pro Performance: Analyses the most recent two years of your uploaded data
  • Elite Suite: Analyses your full trail history

For example, if John Smith’s trail disappeared in November 2025 and came back in January 2026, Pro Performance will detect that gap. But if his trail disappeared in 2021 and came back in 2022, that falls outside the two-year window and won’t be flagged.

If you want to audit your full history for older gaps, you’ll need the Elite Suite plan.

What does Commission Verification detect?

Commission Verification checks that every upfront commission you received was followed by a matching trail payment within two months.

For example, if you settle a loan in June and receive an upfront commission, we expect trail for that loan by August. If none appears, it’s flagged - this often points to a missing trail payment.

How does the history window affect this?

Commission Verification only examines data within your plan’s history window:

  • Pro Performance: Verifies upfronts from the most recent two years
  • Elite Suite: Verifies upfronts across your full trail history

An unmatched upfront from 2024 will be detected on Pro Performance. But an upfront from 2020 that never received a matching trail payment won’t surface because it’s outside the two-year window.

If you want to verify upfronts going back further, you’ll need Elite Suite.

Explanation of the “Monthly Overview (Adjusted)” numbers

The heading you see depends on which months you upload. Consecutive months (e.g. January → February) show “Monthly Overview”, while non-consecutive months (e.g. January → June) show “Period Comparison”. The calculations are identical, we’ll use “Monthly Overview” below.

Your aggregator provides you with monthly trail spreadsheets. These spreadsheets tell you how much trail each loan generated for you that month.

As trail is calculated by lenders on a daily basis, it can be misleading to look at the raw month-to-month changes in trail reported by these spreadsheets.

This is because months with a lower number of days (like February) will have less time for the loans to generate trail compared to months with more days (like January).

For example, say you have a $500,000 loan earning a 0.2% trail commission. The trail interest on this loan is calculated daily.

So in January, which has 31 days, your monthly trail will be:

$500,000 × ( ( 1 + ( 0.2 / 100 ) / 365 )31 - 1 ) ≈ $84.94

But in February, which has 28 days, your monthly trail will be:

$500,000 × ( ( 1 + ( 0.2 / 100 ) / 365 )28 - 1 ) ≈ $76.72

The math above looks a bit complex, but it’s because it’s factoring in that interest is compounded daily, not monthly.

So if you were looking at this same $500,000 loan in your Jan and Feb spreadsheets, you might think that you “lost money”, as your trail was $84.94 in Jan and $76.72 in Feb.

But while the monthly number is lower, the underlying trail from the loan hasn’t changed.

It’s just that the loan period (a month) is not a fair comparison period since the months have a different number of days.

The non-adjusted “Monthly Overview” section would interpret this decrease in trail as “trail lost”, because the underlying calculation does not consider that the months uploaded may have a different number of days.

But did you lose trail in this case? Not really. It’s just that the number of days in the month was different.

The point of the “Monthly Overview” section is to give you a “snapshot” of how you did for the periods you uploaded.

But you probably want to know whether your trail *overall* is up or down.

You don’t really care if it’s up just because March has more days than February or down because February has fewer days than March.

You want to know if it’s truly down, after you adjust for the number of days in the month.

This is why the “Monthly Overview (Adjusted)” section is useful.

This section compares the uploaded monthly spreadsheets as if the two months had the same number of days in them.

Specifically, it assumes that the current month has the same number of days as the previous month.

So if you were to compare Jan 2023 to Feb 2023, it will figure out how much trail you added, lost, and the net change, as if January’s trail numbers were calculated over the same 28-day period as February.

Since this is an equal and “fair” comparison period, this gives you a much better idea of how you did for the month.

If you still have any questions about the “Monthly Overview (Adjusted)” section, please feel free to contact us.

I think the analysis might be wrong.

We hope not, please contact us with what you think is incorrect and we’ll get to the bottom of it.

Understanding Dates

What’s the difference between invoice date and trail date?

Trail reports from your aggregator contain dates that can mean different things depending on context.

  • Invoice date (or payment date): The date when the aggregator processed and invoiced the payment to you.
  • Trail date (or trail month): The month when the trail commission was actually earned on the underlying loans.

These two dates are often different because there’s typically a delay between when trail is earned and when it’s paid to you.

For LMG brokers: LMG processes trail payments in multiple runs per month, so the invoice date doesn’t directly indicate which month’s trail it covers.

Track My Trail automatically adjusts LMG dates based on when the payment was invoiced:

  • Invoice date after the 15th → trail month is 1 month prior (e.g. July 21st invoice = June trail)
  • Invoice date on or before the 15th → trail month is 2 months prior (e.g. July 5th invoice = May trail)
  • Invoice date in December (any day) → trail month is 1 month prior (e.g. December 5th invoice = November trail)
    • December only has 2 runs due to the holiday period, so all December invoices map to November trail.

This adjustment is applied automatically when you upload LMG files, so your analysis reflects the actual trail accumulation month.

For most other aggregators, the dates in your trail reports already reflect the trail month, so no adjustment is needed.

Track My Trail always handles this for you - it’s just something to be aware of.

I got an error.

Whoops, we’re sorry for the inconvenience.

We want to fix your error as quickly as possible.

So before you contact us, please double-check that:

  • You’re uploading monthly trail reports from a supported aggregator.
  • You’re not accidentally modifying the trail reports before you upload them (verify this by downloading the original files again).
  • Your spreadsheet has columns that look similar to the images shown in the What do I upload? section.

If you’ve checked all of this and it’s still not working, please contact us with details of the error you’re experiencing.

The more information you can provide, the faster we can resolve the error.

Payments & Pricing

How can I sign up?

You can sign up for a 7 day free trial by creating an account at app.trackmytrail.com.au.

The free trial does not require any payment method, and you will not be charged unless you choose to upgrade to a paid subscription.

The free trial is available to new users only.

How much does Track My Trail cost?

Please see our pricing page for all available plans and pricing.

How do your monthly and yearly plans work?

We have two plans available: a monthly plan and a yearly plan.

If you sign up for the monthly plan, you pay month by month and can cancel whenever you like from your account page. If you cancel, you retain access for one month since your last payment date, and your subscription will not renew at the end of the month.

On a yearly plan, you pay for the full year upfront and get access to your selected plan for 12 months. You can cancel your yearly plan at any time from your account page to prevent being charged for the next year of access. If you cancel during the year, your plan will stay active for the full 12 months you’ve already paid for. Yearly payments are non-refundable, but you’ll continue to enjoy access until your subscription ends.

How can I upgrade my subscription?

You can upgrade your subscription at anytime by:

  1. Going to your account page
  2. Clicking “Upgrade Your Subscription”
  3. Adding a payment method

Once added, your subscription will automatically become active after your free trial.

How can I access my invoices and update my payment details?

To view your invoices or update your payment details, go to your account page and click the Manage Your Subscription button.

This will open your billing portal where you can:

  • View and download invoices: Under the “Invoice history” section, you’ll find all your past invoices. Click on any invoice to view details or download a PDF copy.
  • Update payment methods: In the “Payment method” section, you can add a new card, remove an existing one, or set a different card as your default.
  • Edit billing information: Update your name, billing address, and other details in the “Billing information” section.

What happens when I cancel my subscription?

Important: If you’re on a grandfathered pricing plan, you will lose access to that price when you cancel.

When you cancel, your subscription won’t renew, and you’ll retain access to Track My Trail until your current billing period ends.

For Pro Performance and Elite Suite users: Your trail book data will be deleted within 14 days of your active subscription ending.

For Excel Escape users: We don’t store any of your trail book data, so there is no trail book data to delete when you cancel.

How do I reset my password?

Track My Trail doesn’t manage passwords directly. You sign in using your Facebook, Google, or Microsoft account, so password resets must be completed through that provider.

To reset your password, use the password reset page for the provider you normally use to sign in, then return to Track My Trail and log in again.

If you’re not sure which provider or email address you used, contact us and we can help you identify the account linked to Track My Trail. Password resets must be completed through Facebook, Google, or Microsoft.