Free · Your numbers only · Nothing is stored

What are late payments costing me?

Enter what is overdue, how late it is and the cost of money you assume, and see what the delay costs, with the formula shown.

  • Free, no signup
  • Stays in your browser
  • Sources named below

Your numbers

The total of invoices past their due date.
Days after the due date, not after the invoice date.
Your own figure: what it costs you to borrow, or what that cash could earn. We do not know it, so there is no default.
For example 30, to see what one more month of waiting costs.

Result, based on your numbers

Enter the overdue total, the average days late and the cost of money you assume. The cost appears here. Nothing is shown until you give all three, and nothing is assumed for you.

If late payment is a problem for you

Please note. This is arithmetic on your own inputs and assumptions, not a forecast and not financial advice.

How it is calculated

The working

  • Cost of carrying what is overdue = amount overdue x (annual cost of money / 100) x (days late / 365). It is the cost of financing the money while it is not yours yet.
  • The cost of money is YOUR assumption: what it costs you to borrow, or what the cash could earn if you had it. The calculator has no default, because it cannot know it.
  • "Each further N days" uses the same amount and rate with the number of days you choose, so you can see what one more month of waiting costs.
  • "A balance this size for a year" = amount overdue x (annual cost of money / 100): what it would cost to have a balance like this outstanding for twelve months.
  • The result is arithmetic on the numbers you type. It is not a forecast, it does not include bad debts or any interest you may be entitled to charge, and it is not advice.

Sources

  1. Arithmetic only; no regulatory source applies. The cost of money is an assumption you enter. Linked lessons are from the free Zeyto Academy.

Rules and rates change. Always confirm against the current official text.

Free lessons that explain it

From the free Zeyto Academy. No account needed.

Know who owes you, every day

In Zeyto every invoice, receipt and credit note sits against the customer, so an ageing report shows who is late and by how much without a spreadsheet. A ready reminder kit and a collections tracker are in the marketplace.

Try Zeyto freeSee the live demoSee Invoice Chaser: UAE payment reminders in English and Arabic, AED 140

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Cite this tool

Page
Late payment cost calculator
Publisher
Zeyto (Emeron Infospace FZE)
Address
https://zeyto.app/tools/late-payment-cost-calculator
Zeyto. "Late payment cost calculator", free tool, Emeron Infospace FZE. https://zeyto.app/tools/late-payment-cost-calculator

You are welcome to link to this page. Please do not pass the results on as advice: each page says what it covers and what it leaves out.

Questions

Common questions

Is this the amount I will lose?
No. It is the cost of waiting, worked out from your own numbers. Most overdue invoices are paid in the end. The calculator puts a figure on the time they spend unpaid, using the cost of money you give it.
What cost of money should I enter?
Use your own. If you borrow, use what the borrowing costs you. If you do not, use what you would reasonably earn or save with that cash in hand. Any default would be a guess, so the box starts empty.
Can I charge interest on late payments?
That depends on your contract and the law. This calculator does not decide it and does not include any such interest. Ask a qualified adviser.
Does it store what I type?
No. The numbers stay in your browser. Nothing is sent unless you choose to leave your email for tips. If you do, the form says that the result shown on the page goes with your signup; the other things you typed do not.

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