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What do late payments actually cost you?

Three numbers from your own books and one borrowing rate — yours, editable. The calculator shows the cash your late payers keep tied up and what carrying that delay costs you over a year. No benchmarks, no averages from anyone else's business: arithmetic on your inputs, with the working shown.

Your numbers

The rate is what money costs you — an overdraft, a line of credit, a card. If you never borrow, use the return that cash would earn you instead. The default of 8% is a placeholder, not a statistic.