Interactive resource · Transferability
What remains when the owner steps away?
A buyer is acquiring future earnings, not the seller's unpaid workload. Map the responsibilities behind the numbers and see the effect of replacing them realistically.
Live operating picture
Separate reported earnings from transferable earnings.
Map responsibilities above. If the total differs from reported hours, the tool will show the mismatch without assuming either figure is false.
Map at least one responsibility to establish the current distribution.
Shown separately from recurring replacement cost.
No mapped responsibilities yet.
Consistency check
Do the hours and responsibilities tell the same story?
- Mapped work remains incomplete until roles are entered.
Key-person exposure
Which duties still travel with the seller?
- Coverage gaps will appear here without implying misconduct.

Transferable earnings
The number that remains after the operating role is covered.
Reported earnings can be commercially strong while still carrying work that is not on payroll. A buyer needs to understand whether that work moves to existing management, a documented process, an already-budgeted contractor or a new hire.
This simulator does not invent a market salary. You enter a full-time replacement-cost estimate. The tool then applies it only to responsibility hours that are not already covered in current payroll or contractor spend.

90-day transfer readiness
Turn the weakest handoffs into a practical plan.
- Map the hours and current coverage for each responsibility.
- Enter a replacement-cost estimate that fits the actual role.
- Prioritized next actions will appear here.
Methodology · BA-OI 1.0
Visible assumptions, with no double-counting.
Map the real work
Ten operating responsibility categories are compared with the owner's reported weekly hours.
Identify existing coverage
Work assigned to an existing team member or already-budgeted contractor is excluded from incremental replacement cost.
Apply the visitor's cost
The full-time replacement estimate is prorated to the uncovered workload. BrokerAccord does not fabricate a salary benchmark.
Keep transition separate
A one-time illustrative transition range is shown apart from the recurring annual replacement deduction.
Continue your analysis
Connect transferability to quality and value.
Use the broader X-Ray to inspect the surrounding dependencies, or carry the replacement-cost insight into the valuation range.