Who it is for
Anyone who invoices instead of collecting at the counter.
Business and Money · Calculator · Free
What people owing you money actually costsUnpaid Invoice Calculator
Money you earned but have not collected is a loan you gave for free. See the size of it, and what a deposit policy would fix.
Runs in your browser. Nothing to install. Save the result or embed it on your site.
Your numbers
What that means
Your money sitting in other people's accounts: $55,233
$55,233
Your money sitting in other people's accounts
every single day, at 42 day terms
$5,523
Carrying cost a year
$9,600
Never collected a year
$19,332
Freed by a deposit
$15,123
Total yearly bleed
Paid same day$0
Net 15$19,726
Net 30$39,452
Your 42 days$55,233
Cutting 42 days down to 15 would put $35,507 back in your account and keep it there.
Deposit up front, card on file, auto-reminders at day 3, 7 and 14. That fixes most of this without one awkward phone call.
What this assumed
- The cost of tied-up cash is charged at the rate you enter, whether that is a line of credit or lost opportunity.
Runs in your browser. Nothing you type is sent anywhere.
This is an estimate
This tool returns an estimate based on the numbers you entered. Your real result depends on your own costs, rates and conditions. Check it against your own records before you make a decision with it.
What this tool actually does for you
The problem it points at
You did the work, paid for materials, made payroll, and are waiting 45 days to get paid for it. That gap is financed by you.
What you walk away with
A number that makes deposits and card-on-file feel obvious.
How to use it
Takes about two minutes. Be honest with the numbers, the tool is not going to tell anybody.
- Enter what you invoice a month and how long people actually take.
- See how much of your money is permanently parked in other people's pockets.
- See what moving to a deposit frees up.
Put this tool on your own website
Free forever. I host it. You keep it.
This is a real lead magnet you can run on your own site tonight. Somebody lands on your page, plays with the numbers, sees what their problem costs, and now they are on your website instead of a competitor's. Costs you nothing, and I keep it working.
- Scroll up and press Put this tool on my website. The code appears right there, no form.
- Copy the one line you get.
- In your website editor, add an Embed, HTML or Custom Code block on whatever page you want it on.
- Paste it in, save, publish.
- Check it on your phone, then send people to that page.
Works on
WordPress, Wix, Squarespace, Shopify, GoDaddy, Webflow, Duda, HubSpot, ClickFunnels, or plain HTML. Anywhere that takes an embed code.
What it costs you
Nothing. No monthly fee, no expiring trial, no watermark you have to pay to remove. If you get stuck putting it in, text me at (903) 500-8898 and I will help you place it.
Part of these collections
While you are here
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Now imagine the whole website doing real work.
Map the pages, lead capture, follow-up, and reporting that should sit behind your offer. The result is a recommendation, not a guaranteed outcome.