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Cost of late payments calculator

See what late-paying customers cost you a year in tied-up cash, financing, chasing time and invoices that never arrive.

How to use the cost of late payments calculator

What it does: See what late-paying customers cost you a year in tied-up cash, financing, chasing time and invoices that never arrive.

When to use it: Use it when invoices are slow to turn into cash or before you change your payment terms.

  1. Start with the example numbers to see how it works.
  2. Replace them with your own figures from your bank statements, invoices, or bookkeeping. Estimates are fine.
  3. Read the plain-language result at the top, then change one number at a time to see what moves it most.

The calculator is free, needs no account, and doesn't store what you type.

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Cash Flow & Getting Paid

Late payments are a loan you never agreed to make

Every invoice paid 30 days late is an interest-free loan from you to your customer. Here is how to see what it really costs, and five ways to get paid sooner.