Client Payment Terms Analyzer
Net-60 isn't a payment term — it's a free loan to your clients. See the working capital tied up, annual opportunity cost, and what tighter terms are worth to you per year.
Net-60 isn't a payment term. It's a free loan to your clients. Every invoice outstanding is working capital you can't earn interest on, can't reinvest, and can't use if an emergency hits. This tool puts a dollar figure on that cost.
Project & Revenue
Payment Terms
Current terms
Target terms
Late Payers
Opportunity Cost
5% = approx HYSA rate; 7-10% = market return
Current annual cost
$786
opportunity cost of Net-60
Annual savings at Net-15
$555
+$11,096 capital freed
Daily revenue
$247
per day earned
Capital in AR now
$15,719
owed, not received
Annual revenue
$90,000
18 projects × $5,000
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