Retainer Floor Math

Retainer Floor Math is the discipline of pricing email work against the platform fee a client would pay without you. A 5,000-contact list on Moosend or EmailOctopus costs the client roughly $10 to $30 a month, so a retainer built on "we send your campaigns" has a ceiling near that number and no room for margin. The framework says: calculate the tool fee first, then decide whether the engagement can carry strategy, list growth, segmentation, and creative on top of it. If it cannot, the work is a loss leader, not a service line. BigMailer's white-label structure lets agencies resell under their own brand across unlimited client brands, which changes the math because the platform cost sits inside the agency's margin rather than the client's card. MailMunch's Agency Plan at $6.90 a month shows how low the send layer has fallen, which is exactly why the bundle, not the send, is the billable unit.