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Free · Small Business · US

What Is Late
Payment Costing Me?

Late-paying clients aren't just annoying — they have a real dollar cost. Calculate the true financial impact of slow AR on your business, including opportunity cost and cash flow drag.

📊 Based on Days Sales Outstanding (DSO) and standard AR analysis. Outputs are educational estimates.
YOUR REVENUE PROFILE
$
%
Look at your last 3 months of invoices. How long from sending to receiving?
YOUR COST OF CAPITAL
%
APR. If no debt, use your opportunity cost (savings rate, ~5%).
$