Commission plan calculator

The plan pays nothing at or under the threshold. Between threshold and quota the flat rate applies to credit above the threshold amount; above quota the accelerator either stacks on the excess only (marginal) or restates everything above the threshold (retroactive). A recoverable draw tops the take-home up to the draw and books the difference as a balance that later commission repays first, which is why a balance on paper is not money in the rep's pocket. This is plan arithmetic, not payroll: no tax, no clawback beyond the draw balance, and no filing. Everything runs in this tab.