Turn unpaid customer money into a clear recovery plan. Measure the cost of late payments, calculate deposits and balances, and prioritize the customers and invoices that need action now.
These are the highest-value tools in this category. They diagnose the central cash, profit or control problem before you work on smaller symptoms.
What is an overdue invoice really costing the business?
Open calculator →What balance remains, and was the deposit large enough to protect direct costs?
Open calculator →Which overdue invoice deserves the first collection action?
Open calculator →What deposit should be collected before work begins?
Open calculator →Does a proposed payment plan recover the balance fast enough?
Open calculator →How much overdue cash must be collected to close a cash gap?
Open calculator →Start with the main calculator that matches the immediate decision. Use additional tools only after the main gap or exposure is clear.
No. They are educational decision-support tools. Verify significant decisions with qualified local professionals and your own records.
The calculator runs in your browser and this static version does not send the figures you enter to our server.
Why deposits must protect committed work, inventory, dates and equipment—not merely confirm that a customer is interested.
The field note identifies the operating context, practical records, common failure modes and limitations without presenting one operator’s experience as a universal statistic.
Read the field noteJackie McCauley combines more than twenty years of administrative experience with first-hand ownership and management experience across multiple small-business models.
Turn unpaid customer money into a clear recovery plan. Use the linked operational resource when the calculator shows a real gap or exposure.
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