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Payment delay calculator

About two minutes

See how much cash late payment keeps tied up.

Enter your monthly credit sales, average payment delay and cost of funds. See the working capital tied up today and what could be released if customers pay sooner.

The estimate below runs in your browser. Nothing is sent anywhere until you ask for the detailed breakdown.

Your numbers

Change any figure and the estimate updates instantly.

Include sales where customers pay after invoicing.

Count days after the agreed due date, not the full credit period.

The average delay you want to reduce this to.

Use your borrowing rate or your own working-capital cost. This is an editable example value, not a benchmark.

How we calculate this
  • This estimates the working-capital effect of payment delay. It does not estimate bad debts, penalties, collection staff time or lost sales.
  • The estimate assumes credit sales are spread across the year. Your actual cash pattern may vary.
  • A year is 365 days. Cash tied up is the daily credit sales value multiplied by the average days late.
  • Carrying cost applies the annual cost of funds you entered to the cash tied up. It is the cost of funding that balance, not a charge to the customer.

What happens next

From estimate to detailed breakdown

  1. Step 1: Enter your figures

    Four inputs, all of which you can estimate from memory. The preview updates as you type.

  2. Step 2: Verify it is you

    A six-digit code to a mobile number or email. If you have verified on this browser before, we skip it.

  3. Step 3: Open your breakdown

    Every figure in full, plus what we would look at first, on a private page you can return to.

Frequently asked questions

Are my figures stored?
The instant estimate runs entirely in your browser and is not sent anywhere. Your figures are only stored once you ask for the detailed breakdown, and the detailed page is private to you.
Why do I need to verify a contact?
The detailed breakdown is a page we keep for you. Verifying a mobile number or email is how we make sure it reaches the right person, and it means you can come back to it later without filling the form again.
Why is the detailed figure calculated again on the server?
The instant estimate is there so the page feels responsive. Anything we store or show on your breakdown is recalculated on our server from the figures you entered, so the numbers on the detailed page do not depend on your browser.
How accurate is this?
It is an estimate built from your inputs and the assumptions listed under the calculator. It is meant to establish an order of magnitude and show where the cost sits, not to replace a measured study.

Want someone to sanity-check the numbers?

The average usually hides the spread: a few very late accounts can move it more than everybody else combined. A short call is usually enough to work out which part of the delay is worth attacking first.

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