Enter invoice and days late
The overdue amount and duration drive the financing cost.
LATE PAYMENT COST CALCULATOR
Late Payment Cost Calculator
Calculate financing cost and optional late charges caused by overdue invoices.
- Uses your inputs in a transparent calculation
- Instant result with practical next steps
- No signup required
Planning guidance only. Validate important decisions with customer evidence and your delivery team.
YOUR INPUTS
Build your result
Complete every field. The result updates only when you choose Calculate.
How it works
Add your financing rate
Your cost of capital converts days late into an actual dollar cost.
Add a contractual late fee
If your agreement includes a late fee clause, it's added on top.
Continue learning: Hidden costs in MVP pricing · Fixed-fee vs hourly MVP pricing
Frequently asked questions
What financing rate should I use?
Use your actual cost of capital — a business line of credit rate, or your opportunity cost if you'd otherwise invest the cash.
Should every contract have a late fee clause?
It's a reasonable deterrent to include, though enforcement should be consistent to remain meaningful.
Does this account for the risk of non-payment?
No — this calculates the cost of a delay, not the risk of the invoice never being paid at all.
How We Compare
| Feature | MVPHub | Microsoft Excel | Google Sheets |
|---|---|---|---|
| Instant financing cost calculation | Included | Limited | Limited |
| Contractual late fee included | Included | Not included | Not included |
| Guided single-invoice input | Included | Not included | Not included |
| No setup required | Included | Not included | Not included |
Excel and Sheets can track ongoing accounts receivable. MVPHub gives an instant per-invoice cost calculation before you build that tracker.
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