diff --git a/SVS-MSP-Calculator.css b/SVS-MSP-Calculator.css
index 73b9b33..cf87a01 100644
--- a/SVS-MSP-Calculator.css
+++ b/SVS-MSP-Calculator.css
@@ -1077,6 +1077,16 @@
   .sl-otf-waived .otf-amt { text-decoration: line-through; text-decoration-color: var(--green); }
   .sl-otf-waived .otf-waived-label { text-decoration: none; font-weight: 600; letter-spacing: 0.06em; }
 
+  /* ── ADMIN FEE WAIVED display */
+  .admin-fee-header { display: flex; align-items: center; flex-wrap: wrap; gap: 10px; }
+  .admin-fee-waive-toggle { margin-left: auto; }
+  .admin-fee-strike { text-decoration: line-through; color: var(--muted); text-decoration-color: var(--muted); }
+  .admin-fee-waived-badge { font-family: 'DM Mono', monospace; font-size: 12px; font-weight: 700; letter-spacing: 0.08em; color: var(--green); background: rgba(33,112,69,0.12); border: 1px solid rgba(33,112,69,0.28); border-radius: 4px; padding: 2px 7px; vertical-align: middle; }
+  .sl-admin-waived > span:first-child { text-decoration: line-through; text-decoration-color: var(--muted); color: var(--muted); }
+  .admin-waive-savings { display: flex; align-items: center; gap: 7px; font-family: 'DM Mono', monospace; font-size: 12px; letter-spacing: 0.04em; color: var(--green); background: rgba(33,112,69,0.08); border: 1px solid rgba(33,112,69,0.22); border-radius: 6px; padding: 8px 12px; margin-top: 10px; margin-bottom: 4px; }
+  .admin-waive-savings.hidden { display: none; }
+  #adminWaivedAmt { font-weight: 700; }
+
   /* Nudge banner internal flex rows */
   .nudge-header-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 6px; }
   .nudge-nav-group  { display: flex; gap: 4px; }
diff --git a/SVS-MSP-Calculator.html b/SVS-MSP-Calculator.html
index 76d0b53..7623a07 100644
--- a/SVS-MSP-Calculator.html
+++ b/SVS-MSP-Calculator.html
@@ -308,6 +308,11 @@
       <div class="admin-fee-header">
         <span class="admin-fee-title">Site Admin Fee</span>
         <span id="adminFeeDisplay" class="admin-fee-val">$150/mo</span>
+        <label class="qs-toggle-row admin-fee-waive-toggle">
+          <input type="checkbox" id="adminWaived" onchange="update()">
+          <span class="qs-switch"></span>
+          <span class="qs-toggle-label">Waive</span>
+        </label>
       </div>
       <div class="admin-fee-sub">Calculated from services below · floor $150/mo</div>
 
@@ -329,6 +334,11 @@
         <tr class="fee-total"><td>Total Admin Fee</td><td id="fb-total">—</td></tr>
       </table>
 
+      <div class="admin-waive-savings hidden" id="adminWaivedSavings">
+        <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 512 512" width="11" height="11" fill="currentColor"><path d="M256 512A256 256 0 1 0 256 0a256 256 0 1 0 0 512zM369 209L241 337c-9.4 9.4-24.6 9.4-33.9 0l-64-64c-9.4-9.4-9.4-24.6 0-33.9s24.6-9.4 33.9 0l47 47L335 175c9.4-9.4 24.6-9.4 33.9 0s9.4 24.6 0 33.9z"/></svg>
+        Site admin fee waived — saving <span id="adminWaivedAmt">$0</span>/mo on this quote
+      </div>
+
       <!-- What's Covered collapsible -->
       <div class="collapsible-header collapsible-header--mt16" onclick="toggleCollapsible('adminCovered')" tabindex="0" role="button" onkeydown="if(event.key==='Enter'||event.key===' '){toggleCollapsible('adminCovered');event.preventDefault();}">
         <span class="collapsible-toggle" id="adminCovered-icon"><svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" width="12" height="12" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><polyline points="6 9 12 15 18 9"/></svg></span>
diff --git a/SVS-MSP-Calculator.js b/SVS-MSP-Calculator.js
index f01f98e..94ea32c 100644
--- a/SVS-MSP-Calculator.js
+++ b/SVS-MSP-Calculator.js
@@ -121,6 +121,7 @@ function calcQuote() {
   const hstEnabled   = document.getElementById('hstToggle')?.checked || false;
   const oneTimeFee   = parseFloat(document.getElementById('oneTimeFee')?.value) || 0;
   const ztActive     = addZT || ztSeats > 0;
+  const adminWaived  = document.getElementById('adminWaived')?.checked || false;
 
   const VOIP_RATES    = { basic: VOIP_RATE_BASIC, standard: VOIP_RATE_STANDARD, premium: VOIP_RATE_PREMIUM };
   const CONTRACT_DISCOUNT = { 'm2m': DISCOUNT_M2M, '12mo': DISCOUNT_12MO, '24mo': DISCOUNT_24MO };
@@ -145,7 +146,8 @@ function calcQuote() {
   const baseSubtotal  = userBase + endpointBase + serverBase;
   const siteAdminBase = Math.max(ADMIN_FEE_FLOOR, ADMIN_FEE_MINIMUM - baseSubtotal);
   const admin1PWM     = addPWM ? Math.round(userPWM * ADMIN_1PWM_PCT) : 0;
-  const adminFeeNet   = siteAdminBase + (ztActive ? ADMIN_FEE_ZT : 0) + admin1PWM;
+  const adminFeeNet      = siteAdminBase + (ztActive ? ADMIN_FEE_ZT : 0) + admin1PWM;
+  const adminFeeEffective = adminWaived ? 0 : adminFeeNet;
 
   const ztNetSeats   = ztSeats   * ZT_SEAT_RATE;
   const ztNetRouters = ztRouters * ZT_ROUTER_RATE;
@@ -157,7 +159,7 @@ function calcQuote() {
   const voipFaxAmt    = addVoipFax   ? VOIP_FAX_RATE : 0;
   const voipTotal     = voipSeatsAmt + voipPhoneAmt + voipFaxAmt;
 
-  const MRR    = userTotal + endpointTotal + adminFeeNet + ztNetTotal + voipTotal;
+  const MRR    = userTotal + endpointTotal + adminFeeEffective + ztNetTotal + voipTotal;
   const annual = MRR * 12;
   const perUserAllin = users > 0 ? MRR / users : 0;
 
@@ -258,7 +260,12 @@ function update() {
   });
 
   // Admin Fee
-  getEl('adminFeeDisplay').textContent = fmt(adminFeeNet) + '/mo';
+  if (adminWaived) {
+    getEl('adminFeeDisplay').innerHTML =
+      `<span class="admin-fee-strike">${fmt(adminFeeNet)}/mo</span> <span class="admin-fee-waived-badge">WAIVED</span>`;
+  } else {
+    getEl('adminFeeDisplay').textContent = fmt(adminFeeNet) + '/mo';
+  }
   const fillPct = Math.min(100, Math.max(0, (baseSubtotal / ADMIN_FEE_MINIMUM) * 100));
   getEl('floorBar').style.width = fillPct + '%';
   getEl('floorProgress').textContent = fmt(baseSubtotal) + ' / ' + fmt(ADMIN_FEE_MINIMUM);
@@ -272,7 +279,19 @@ function update() {
   getEl('fb-zt-row').classList.toggle('hidden', !ztActive);
   getEl('fb-pwm-row').classList.toggle('hidden', !addPWM);
   getEl('fb-pwm').textContent = '+' + fmt(admin1PWM);
-  getEl('fb-total').textContent = fmt(adminFeeNet);
+  if (adminWaived) {
+    getEl('fb-total').innerHTML =
+      `<span class="admin-fee-strike">${fmt(adminFeeNet)}</span> <span class="admin-fee-waived-badge">WAIVED</span>`;
+  } else {
+    getEl('fb-total').textContent = fmt(adminFeeNet);
+  }
+  // Savings callout below fee table
+  const adminWaivedSavingsEl = document.getElementById('adminWaivedSavings');
+  if (adminWaivedSavingsEl) {
+    adminWaivedSavingsEl.classList.toggle('hidden', !adminWaived || adminFeeNet === 0);
+    const awAmt = document.getElementById('adminWaivedAmt');
+    if (awAmt) awAmt.textContent = fmt(adminFeeNet);
+  }
 
   // Sidebar lines
   const show = (id, val) => {
@@ -309,7 +328,16 @@ function update() {
   if (ztNetTotal > 0) getEl('sl-zt-val').textContent = fmt(ztNetTotal);
   show('sl-voip', voipTotal > 0);
   if (voipTotal > 0) getEl('sl-voip-val').textContent = fmt(voipTotal);
-  getEl('sl-admin-val').textContent = fmt(adminFeeNet);
+  const slAdminEl = getEl('sl-admin');
+  const slAdminValEl = getEl('sl-admin-val');
+  if (adminWaived) {
+    slAdminEl?.classList.add('sl-admin-waived');
+    if (slAdminValEl) slAdminValEl.innerHTML =
+      `<span class="otf-amt">${fmt(adminFeeNet)}</span> <span class="otf-waived-label">WAIVED</span>`;
+  } else {
+    slAdminEl?.classList.remove('sl-admin-waived');
+    if (slAdminValEl) slAdminValEl.textContent = fmt(adminFeeNet);
+  }
 
   // MRR + totals — show effective MRR (after term discount) as the headline number
   getEl('mrrDisplay').textContent = fmt(effectiveMrr);
@@ -518,7 +546,7 @@ function updateSectionSummaries(q) {
     el.style.display = show ? 'inline-block' : 'none';
   };
 
-  setSummary('sec01-summary', fmt(q.adminFeeNet) + '/mo');
+  setSummary('sec01-summary', q.adminWaived ? 'WAIVED' : fmt(q.adminFeeNet) + '/mo');
   setSummary('sec02-summary', q.users > 0 ? `${q.users} user${q.users !== 1 ? 's' : ''} · ${fmt(q.userTotal)}/mo` : '');
   setSummary('sec03-summary', q.endpoints > 0 ? `${q.endpoints} endpoint${q.endpoints !== 1 ? 's' : ''} · ${fmt(q.endpointTotal - q.serverBase)}/mo` : '');
   setSummary('sec04-summary', q.servers > 0 ? `${q.servers} server${q.servers !== 1 ? 's' : ''} · ${fmt(q.serverBase)}/mo` : '');