Free Tool

Surplus Funds Recovery Calculator

See exactly how much your recovery operation could earn — based on real industry fee structures and recovery rates.

Your Numbers
How many surplus fund leads are you working?
leads
5 125 250 500
Typical county surplus amounts range from $1,000 to $150,000+
$
$1K $50K $100K $200K
Industry avg: 30-40%. Pros using automation hit 50%+
%
5% 25% 50% 80%
Standard in the industry ranges from 25% to 35%
%
15% 30% 45%
Potential Annual Income
$78,750
$6,563 / month
Cases Won / Year
105
out of 600 leads
Total Recoverable
$262,500
across all won cases
Avg Fee / Case
$750
at your contingency rate
3-Year Projection
$236,250
compounding steadily
Industry Benchmarks Used
30–40%
Recovery Rate (Industry)
25–35%
Standard Contingency Fee
$5–25K
Median Surplus Amount

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Common Questions
How accurate is this calculator?
The estimates use industry-standard recovery rates (30–40%) and contingency fees (25–35%) verified against published data from state unclaimed property offices and recovery associations. Your actual results will depend on your market, lead quality, and outreach effectiveness.
What counts as a "lead" in surplus funds recovery?
Any former property owner with unclaimed surplus funds from a foreclosure, tax sale, or mortgage overage. Counties publish these records — TraceRecover helps you import, organize, and work them efficiently.
Why do recovery rates vary so much?
The biggest factor is contact rate — if you can't reach the former owner, you can't recover. Skip tracing quality, multi-channel outreach (SMS + mail + phone), and how quickly you contact leads all dramatically affect your recovery rate.
What's a realistic first-year target?
A solo operator working 30–50 leads/month at a 35% recovery rate typically earns $25,000–$60,000 in their first year, scaling as they refine their process and build a referral pipeline.