Free small-business planning tool · no login

See the hidden carrying cost of slow-paying invoices.

Use your own numbers to estimate financing drag plus staff time spent following up. This is a planning estimate, not accounting, tax, legal, lending, or financial advice.

Overdue invoices now (US$) Average days late Annual financing / opportunity cost (%) Staff hours per month spent following up Loaded hourly staff cost (US$)

Financing drag for the delay

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Monthly follow-up labor

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Combined planning estimate

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The formula estimates carrying cost as overdue balance × annual rate × days late ÷ 365, then adds the follow-up labor you enter. Defaults are illustrative only; replace them with your measured numbers before making a decision.

Why this problem matters: Intuit QuickBooks reported in its 2026 Small Business Late Payments Report that 59% of surveyed small businesses had invoices overdue 30+ days and businesses with unpaid invoices were owed US$17.7K on average. Source.