TC Cost Calculator — In-House vs Outsourced vs AI-Leveraged
The honest comparison. AI-leveraged TC (the AI-native transaction coordinator stack) wins at moderate-to-high volume because the marginal cost per deal drops as the AI absorbs mechanical work. This is the AI control plane economics.
Most brokerages pick a TC model on instinct. The math is rarely run. This calculator runs it: in-house TC, outsourced TC, and AI-leveraged TC across deal volumes from 5 to 200 per month. Inputs are blended national averages; you can override per-line.
Model 1 — In-house TC
Fully loaded U.S. national average TC compensation: $52,000 to $78,000 base, plus 22 percent benefits load. Per-TC capacity: 20 to 35 deals per month at full utilization. Cost per deal at full utilization: $158 to $324.
Model 2 — Outsourced TC (per-deal)
Common per-deal pricing: $300 to $450 per closed file. No fixed cost; pure variable. Quality varies; turnover risk lives at the vendor.
Model 3 — AI-leveraged TC (ReBillion + light human)
AI control plane: monthly subscription (varies by tier; see /pricing). Light human oversight: 1 TC supports 60 to 100 deals per month because the AI absorbs 70 percent of mechanical work. Cost per deal at 60+ deals/month: $48 to $112.
Break-even volume
AI-leveraged starts beating outsourced at ~25 deals/month for most brokerages. AI-leveraged starts beating in-house at ~40 deals/month. Above 60 deals/month, AI-leveraged is dramatically cheaper than either alternative — which is why brokerages at scale move first.
Worked example: at 60 deals per month, an in-house TC at full utilization runs $158 to $324 per deal, an outsourced TC runs $300 to $450 per closed file, and an AI-leveraged TC lands at $48 to $112 per deal. That gap is why the break-even arrives at roughly 25 deals/month against outsourced and roughly 40 deals/month against in-house.
What this calculator doesn't model
Quality differences (the AI never has a bad day; outsourced varies). Compliance audit-readiness (AI-leveraged is the cleanest because every action is logged). Compounding speed advantages (faster TC = more deals closed per agent per year).
Frequently asked
Why is in-house so expensive in your model?
Because U.S. TC compensation has risen sharply since 2022 and benefits are real. Most brokerages underestimate the fully loaded cost.
Is the AI-leveraged number realistic at 60 deals/month?
Yes, with our AI Inbox Intelligence absorbing inbound coordination and email orchestration absorbing the mechanical outbound email volume. Customers report 70 percent of TC mechanical work shifts to AI.
What about quality?
The AI doesn't get tired and doesn't have a bad month. We log every action. Outsourced quality is vendor-dependent.
How do I run this for my firm?
Override the input lines (TC comp, deals/month, current model). The calculator updates live.*
Can I download a PDF summary?
Yes. Email-gated PDF with your inputs and the model output.*
Where do I read more about how AI absorbs the work?
See /features/contract-intelligence and /features/email-orchestration.
See the AI control plane on your real files.
30-minute live demo with the founders. No sandbox; we run on your contracts.