If you’re weighing a network that splits your commission against one that lets you keep all of it for a fee, you want to know which leaves more in your pocket at the end of the year. That mostly comes down to your average commission rate. Around 10% or higher, keeping 100% and paying a small turnover fee will usually leave you ahead. Well under 10%, a split can win.
I run Niftrip, which is a 100% model: you keep all your at-source commission and pay $99 + GST a month plus 1% + GST of turnover. So I have a side in this, and I’ve tried to give you the fairest version of the maths, including where a split comes out ahead.
- Niftrip’s monthly fee
- $99 + GST
- of turnover, with 100% of at-source commission kept
- 1% + GST
- average commission at which a 1% fee equals a 90/10 split
- 10%
How does a commission split work?
The supplier pays the agency commission on each booking, the network passes you an agreed share and keeps the rest, and most charge a monthly fee on top. On some networks the split also comes out of your service fees. Supplier overrides, the incentives suppliers pay an agency in arrears based on performance against targets, generally stay with the network.
What does “100% commission” actually mean?
Nearly always it means 100% of the at-source commission on your bookings, with the network earning from fees and overrides. That’s how Niftrip works: you get your commission less the 1%, and the agency keeps overrides and incentives as its margin. The other Australian 100% offers come with conditions, so read the wording closely:
| Network | What its own page says | Who it’s for |
|---|---|---|
| Savenio | “You receive 100% of 100% of the at source commissions you write” and “we do not clip or cut any commissions from any suppliers” | Elite model only: 3+ years and $2.25 million minimum turnover (another Savenio page says $2 million). Fees not published |
| Frontier Travel | “up to 100% for established, high-volume agencies” | Established, high-volume agencies. Fees not published |
| Travellers Choice | 100% of preferred-supplier at-source commission, plus override rebates and dividends | A co-op for owners of their own accredited agency, who buy shares. Fees not published |
| Niftrip | 100% of at-source commission, $99 + GST a month plus 1% + GST of turnover | Any advisor; agency keeps overrides |
A worked example: $500,000 at 12%
Say you sell $500,000 a year and your bookings average 12% commission.
On Niftrip you’d keep $53,812 after the 1% and the $99 a month. On TravelManagers Business Pro, the 90% plan at $370 + GST a month, you’d keep $49,560, or $4,252 a year less. The closest 90% plan is Global Travel Network’s Package 1, where you’d keep $51,600. On an 80% plan like TravelManagers Lifestyle Plus you’d keep $45,960, and you’d be $7,852 a year behind.
Now work that same $500,000 up to a 15% average. You’d keep $68,812 on Niftrip and $63,060 on Business Pro. A split takes its share of every extra dollar of commission, while the 1% stays at 1% of what you sell, so the gap grows as your margins improve.
How much do you keep on each Australian network?
Here’s what you’d keep on each network at a 10% average commission, using their published terms. The figure in brackets is Niftrip’s take-home minus that network’s, so a plus means Niftrip leaves you more.
A year’s at-source commission after the split and monthly fees, ex GST. Joining fees, insurance and dividends left out.
The same figures as a table, at a 10% average commission
| Network and plan (published terms) | $100k | $250k | $500k | $1m | $2m |
|---|---|---|---|---|---|
| Niftrip (100%, $99/mo + 1% of sales) | $7,812 | $21,312 | $43,812 | $88,812 | $178,812 |
| TravelManagers Business Pro (90%, $370 + GST/mo) | $4,560 (+$3,252) | $18,060 (+$3,252) | $40,560 (+$3,252) | $85,560 (+$3,252) | $175,560 (+$3,252) |
| TravelManagers Lifestyle Plus (80%, $170 + GST/mo) | $5,960 (+$1,852) | $17,960 (+$3,352) | $37,960 (+$5,852) | $77,960 (+$10,852) | $157,960 (+$20,852) |
| Global Travel Network Package 1 (90%, $200 + GST/mo) | $6,600 (+$1,212) | $20,100 (+$1,212) | $42,600 (+$1,212) | $87,600 (+$1,212) | $177,600 (+$1,212) |
| Global Travel Network Package 2 (85%, $150 + GST/mo) | $6,700 (+$1,112) | $19,450 (+$1,862) | $40,700 (+$3,112) | $83,200 (+$5,612) | $168,200 (+$10,612) |
| Travel Crafters (90%, $350/mo) | $4,800 (+$3,012) | $18,300 (+$3,012) | $40,800 (+$3,012) | $85,800 (+$3,012) | $175,800 (+$3,012) |
| Travel Crafters (80%, $250/mo) | $5,000 (+$2,812) | $17,000 (+$4,312) | $37,000 (+$6,812) | $77,000 (+$11,812) | $157,000 (+$21,812) |
| Your Travel Centre Budget (80%, $100/mo incl GST) | $6,909 (+$903) | $18,909 (+$2,403) | $38,909 (+$4,903) | $78,909 (+$9,903) | $158,909 (+$19,903) |
| Your Travel Centre Premium (80%, $200/mo incl GST) | $5,818 (+$1,994) | $17,818 (+$3,494) | $37,818 (+$5,994) | $77,818 (+$10,994) | $157,818 (+$20,994) |
| Go Tours (72%, $75/mo) | $6,300 (+$1,512) | $17,100 (+$4,212) | $35,100 (+$8,712) | $71,100 (+$17,712) | $143,100 (+$35,712) |
| itravel (90%, monthly fee not published, shown at $0) | $9,000 (−$1,188) | $22,500 (−$1,188) | $45,000 (−$1,188) | $90,000 (−$1,188) | $180,000 (−$1,188) |
How are service fees treated?
A split costs you most on service fees, because there’s no supplier cost behind them. On every $10,000 you charge:
| Model | You keep |
|---|---|
| Niftrip (1% of the invoiced total) | $9,900 |
| TravelManagers Business Pro (90% of commission and service fees) | $9,000 |
| TravelManagers Lifestyle Plus (80%) | $8,000 |
| Your Travel Centre (80% of commission and service fees) | $8,000 |
The other networks don’t say on their pages whether the split applies to service fees, so ask.
When does a split work out better?
Mostly when your commission is low. If you sell a lot of air and average well under 8%, the 1% takes a bigger bite: at 5% it’s 20% of your commission, the same share as an 80/20 split before monthly fees. Charging proper service fees on air fixes that. If you won’t, a split may suit you better. At 8% the 90% plans start to overtake Niftrip as your sales grow.
Top producers should also look at the higher tiers. If you earned TravelManagers’ full dividend of “up to 5% more” on Business Pro, you’d pass Niftrip at about $650,000 in sales at 10%, though its criteria aren’t published. Savenio’s 95% and 100% models beat Niftrip at very high volume before their fees, and itravel publishes no monthly fee.
A year’s at-source commission after the split and monthly fees, ex GST.
At a 8% average commission, Niftrip and TravelManagers Business Pro 90% come out level at $1,626,000 of sales a year. Below that Niftrip keeps more; above it TravelManagers Business Pro 90% does.
At a 8% average commission, Niftrip and Global Travel Network Package 1 90% come out level at $606,000 of sales a year. Below that Niftrip keeps more; above it Global Travel Network Package 1 90% does.
The break-evens as a table
| 90% plan | At 8% commission | At 10% | At 12% |
|---|---|---|---|
| TravelManagers Business Pro ($4,440 a year) | TM ahead above about $1.63m in sales | Niftrip $3,252 ahead at every level | Niftrip ahead at every level, by more as sales grow |
| Global Travel Network Package 1 ($2,400 a year) | GTN ahead above about $606k | Niftrip $1,212 ahead at every level | Niftrip ahead at every level |
| Travel Crafters ($4,200 a year) | Travel Crafters ahead above about $1.51m | Niftrip $3,012 ahead at every level | Niftrip ahead at every level |
| itravel (fee not published, shown at $0) | itravel ahead at every level | itravel $1,188 ahead | Niftrip ahead above about $594k |
What about networks that don’t publish a split?
MTA and several others don’t publish a split. At a 10% average commission on $500,000 of sales, a network with no monthly fee would need to pay you about 88% to match Niftrip, and MTA about 91% while you’re paying its monthly fee. Ask each one for the dollar figure at your volume, in writing.
What isn’t in these tables?
Joining fees vary a lot:
| Network | One-off joining cost (published) |
|---|---|
| Niftrip | $0 |
| itravel | $0 (“No onboarding fees”) |
| Global Travel Network | $200 + GST |
| MTA | $495 + GST |
| Go Tours | $600 |
| Your Travel Centre | $695 incl GST with 1+ years’ experience, $1,495 incl GST if new to the industry |
| TravelManagers | Induction fee, amount not published |
Some of the higher monthly fees pay for real support. TravelManagers funds business partnership managers, famils and a large training program, and MTA includes 24/7 support, holiday cover and Virtuoso membership. If you’d use those, they have real value, and if you wouldn’t, you’re paying for them anyway.
How do you work out your own numbers?
- Pull last year’s sales, commission and service fees.
- Divide commission by sales for your average rate. Be honest about air.
- For each split network, apply the split to your commission (and service fees if it says so), then take off a year of fees.
- For a 100% model, take the turnover fee and monthly fee off your full commission and service fees.
- Compare joining costs separately.
My view
If you average around 10% or above and charge service fees, a 100% model with a low fixed fee leaves you more at almost every volume. I built Niftrip that way because a split takes a cut of exactly the extra effort that gets you to 15% or 20%, and I want advisors earning what they’re worth.
If you mostly sell air without fees, or you’ll qualify for a 95% or 100% tier, run your numbers carefully, because a split can come out ahead. If you value hands-on support, put a dollar figure on it before you rule it out.
The full numbers
Every competitor figure comes from that network’s own website, checked on 20 October 2026. All figures exclude GST unless I say otherwise, on the basis that you’re registered and claim it back.
The formula
For a split network:
Take-home = sales × commission rate × split − monthly fee × 12
For Niftrip:
Take-home = sales × commission rate − 1% of sales − $1,188
“Sales” is the total you invoice your clients, and $1,188 is $99 × 12. At a 10% average commission, 1% of sales is 10% of your commission, the same as a 90/10 split. Above 10% the 1% fee takes a smaller share of what you earn, and below 10% a bigger one.
What split a 1% fee is equal to
Niftrip’s cost converted into a split, including the $99 monthly fee. The split networks’ fixed fees pull their effective split down the same way.
| Average commission | $100k sales | $250k | $500k | $1m | $2m |
|---|---|---|---|---|---|
| 5% | 56.2% | 70.5% | 75.2% | 77.6% | 78.8% |
| 8% | 72.7% | 81.6% | 84.5% | 86.0% | 86.8% |
| 10% | 78.1% | 85.2% | 87.6% | 88.8% | 89.4% |
| 12% | 81.8% | 87.7% | 89.7% | 90.7% | 91.2% |
| 15% | 85.4% | 90.2% | 91.7% | 92.5% | 92.9% |
| 20% | 89.1% | 92.6% | 93.8% | 94.4% | 94.7% |
Take-home at 8% and 12% commission
The closest rivals, the 90% plans, plus TravelManagers Lifestyle Plus. At 8% the 90% plans start to overtake Niftrip at higher volumes. At 12% Niftrip is ahead of all of them at every level.
| At 8% commission | $100k | $250k | $500k | $1m | $2m |
|---|---|---|---|---|---|
| Niftrip | $5,812 | $16,312 | $33,812 | $68,812 | $138,812 |
| TravelManagers Business Pro (90%) | $2,760 (+$3,052) | $13,560 (+$2,752) | $31,560 (+$2,252) | $67,560 (+$1,252) | $139,560 (−$748) |
| Global Travel Network Package 1 (90%) | $4,800 (+$1,012) | $15,600 (+$712) | $33,600 (+$212) | $69,600 (−$788) | $141,600 (−$2,788) |
| Travel Crafters (90%) | $3,000 (+$2,812) | $13,800 (+$2,512) | $31,800 (+$2,012) | $67,800 (+$1,012) | $139,800 (−$988) |
| TravelManagers Lifestyle Plus (80%) | $4,360 (+$1,452) | $13,960 (+$2,352) | $29,960 (+$3,852) | $61,960 (+$6,852) | $125,960 (+$12,852) |
| At 12% commission | $100k | $250k | $500k | $1m | $2m |
|---|---|---|---|---|---|
| Niftrip | $9,812 | $26,312 | $53,812 | $108,812 | $218,812 |
| TravelManagers Business Pro (90%) | $6,360 (+$3,452) | $22,560 (+$3,752) | $49,560 (+$4,252) | $103,560 (+$5,252) | $211,560 (+$7,252) |
| Global Travel Network Package 1 (90%) | $8,400 (+$1,412) | $24,600 (+$1,712) | $51,600 (+$2,212) | $105,600 (+$3,212) | $213,600 (+$5,212) |
| Travel Crafters (90%) | $6,600 (+$3,212) | $22,800 (+$3,512) | $49,800 (+$4,012) | $103,800 (+$5,012) | $211,800 (+$7,012) |
| TravelManagers Lifestyle Plus (80%) | $7,560 (+$2,252) | $21,960 (+$4,352) | $45,960 (+$7,852) | $93,960 (+$14,852) | $189,960 (+$28,852) |
$500,000 at 15% commission
| Model | Take-home at $500k, 15% |
|---|---|
| Niftrip | $68,812 |
| TravelManagers Business Pro (90%) | $63,060 |
| Global Travel Network Package 1 (90%) | $65,100 |
| TravelManagers Lifestyle Plus (80%) | $57,960 |
| Your Travel Centre Budget (80%) | $58,909 |
On your own packages at 20% to 30% margin, a split takes 10% to 20% of that extra margin and the 1% fee doesn’t change.
Notes on the network figures
- Your Travel Centre quotes its fees including GST, so I’ve divided them by 1.1. Travel Crafters and Go Tours don’t say whether their fees include GST, so I’ve used them as published.
- The itravel row flatters itravel. It publishes “90% commission” and “No onboarding fees” but no monthly fee, so I’ve shown it at zero. At a 10% commission it’s ahead of Niftrip only if its monthly fee is under $99.
- TravelManagers says “You retain 80%/90% of all at-source commission and service fees charged”, and Your Travel Centre’s plans cover “At source commission on all products and service fees”.
- None of the Australian networks I checked publishes whether its split applies to overrides.
- TravelManagers pays an annual dividend of “up to 5% more” and says advisors can reach “up to 95%”. The dividend criteria aren’t published, so treat the $650,000 crossover as a best case. Your Travel Centre offers 90% to top achievers, also on unpublished criteria.
- Savenio’s 95% model (3+ years, $1.75 million turnover) and its Elite 100% model ($2.25 million) beat Niftrip by up to about $11,200 and $23,700 a year at 10% commission before Savenio’s fees, which aren’t on its own pages.
- MTA waives its $150 + GST monthly fee once you gross over $61,000 commission in a financial year according to its benefits page, or $58,000 according to its FAQ (the two pages disagree).
- itravel’s 90% comes with no published monthly fee, as shown in the tables.
- MTA, Your Travel Centre and Global Travel Network include professional indemnity insurance. TravelManagers’ FAQ quotes $260 + GST to arrange it if you don’t have your own.
- MTA charges no ticketing fees and gives you a choice of GDS. Niftrip charges no GDS or ticketing fees. Ask everyone else.
- In the $500,000 at 12% example, Travel Crafters’ 90% plan leaves you $49,800 and Global Travel Network’s Package 1 is $2,212 behind Niftrip.
- Against any split below 90%, the 1% fee costs less per dollar sold from a 10% commission rate upward, so the gap widens as you sell more.
The split a network would need to match Niftrip
At a 10% average commission. A network with any monthly fee needs more than the first column, and MTA’s column allows for its $150 + GST a month until you pass its waiver threshold.
| Sales | Network with no monthly fee | MTA |
|---|---|---|
| $250,000 | About 85% | About 92% |
| $500,000 | About 88% | About 91% |
| $1 million | About 89% | About 89% |
MTA doesn’t publish its split, and I haven’t used any older press figures for it. These networks didn’t publish a split or fees on their own pages when I checked, so ask each one: MTA (split), Envoyage Australia, Travel Associates at Home, ITA (Express Travel Group), Travelglobe (“we’ll provide you with our commission structures, fees” on enquiry), 1000 Mile Travel Group, Entourage, Savenio (fees) and Frontier (fees).
Next step
Niftrip’s pricing page sets out the fee in full, so you can run your own sales and commission rate through it.
