Impact Calculator.

Work out the consequences that late payments have on your business.

Trying to hold your business together when you can’t work out your cash flow as your debtors will not pay, causes serious problems every day.

The calculator will highlight the issues that you are facing, the impact of late payments to your business and your supply chain.

Maybe a visual representation will drive home the seriousness of the problem to your client.

consequences calculator

How to use this calculator.

Following the instructions, you will be asked 10 simple questions about late payments and your monthly income. Although most calculators of this type are concerned with working out what you are owed, we want to work out the impact it will have on your business.

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The questions explained:

  • How many invoices do you issue?

Enter the number of invoices you issue each month. This does not have to be an exact number, just the best estimate for your average monthly sales.

  • What is your average invoice amount?

Fill in an average payment that a client must make to your company after you have provided your service.

If you are unsure how to do this, take the last 10 to 20 invoices that you have issued, add together the amount due, and divide the total sum by the number of invoices you have referenced.

  • What is your standard credit period on issue invoices?

Enter how long you allow clients to take before the sum they owe is paid. This should be clearly noted in your contracts. If it is not, this period is no less than 30 days for public clients and 60 days for private entities.

  • What is the average monthly amount paid to suppliers?

Using the same formula as the average invoice amount, work out the last 10 to 20 payments to your suppliers, add together the amount that was paid, and divide the total sum by the number of payments you have made.

  • What is your monthly payroll?

Take average outgoing payment for wages and enter the sum into the calculator. If you rely on contractors or freelance workers, enter the amount that you would expect to pay in the average month.

  • How many employees do you have in your company?

Enter the number of permanent full time or part-time employees that you have who could be affected by a lack of funds to pay their wages.

  • What is your monthly rent?

If you pay rent for the building where you base your business, enter the figure that you pay monthly. You can leave this blank if you do not pay any business rent.

  • What is your average borrowing rate from your bank?

Taking loans from a bank or a private lender is a normal part of modern business, but late payments can lead to financial ruin if they cannot be paid.

Enter the interest rate for any borrowings that you have; if you are unsure how to do this, divide your interest rate by the number of payments that will be paid during the financial year.

  • What are your cash reserves?

Enter the amount of money that you have available for emergency funding. If you do not have any cash reserves, you can leave it blank instead.

  • How many days late?

Enter the number of days your invoices are paid late – remain unpaid. Meaning, on average, how long you have to wait to get paid after the payment due date.

The calculations explained

calculations-late-payment-impact-calculator

What do the results mean?

Using the figure given by the calculator, you will see how late payments can cause damage to your business, suppliers, and employees.

Pay attention to the ‘results column’ that will appear on the right when you calculate the numbers that you have entered into the calculator.

The calculator will try to tell you the number of days you need to collect your money earlier – to avoid deficits created by late payments of invoices.

It will also show you an estimate of how long your business could survive.

Clearly, every business is different, so this calculator can only be so accurate. Use your own judgement when making important business decisions.

If you only see negative results (highlighted in red) and if you are in a position to do so – try to make changes to your payment terms.  Maybe consider milestone invoices (taking payments as you deliver your work) – or ask for half of the money upfront before you start work.

brodmin-consequences-calculator-green brodmin-consequences-calculator

(move slider left/right)

The calculator is offered on an as-is basis and we make no warranty for its accuracy and neither is it intended as a replacement for legal advice should you need it.

Like the calculator? Add it to your website!

If you find this calculator useful, why not put it on your own website and share it with your readers? It is easy to add the calculator to your website.

‘Copy the code below & paste’ the code to your website.

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<div id="fieldlist_1" class="left_aligned"><div class="fform" id="field"><h2 style="--fontSize:25; line-height: 1.14;" data-fontsize="25" data-lineheight="28.5px" class="fusion-responsive-typography-calculated">Calculator for Overdue invoices and its consequences</h2><span></span></div><div class="pb0 pbreak" page="0"><div class="fields field_box inv_calc column2 fieldname3_1 cff-container-field" id="field_1-0"><div id="fieldname3_1"><div class="fields form_head fieldname23_1 cff-html-field" id="field_1-45"><div id="fieldname23_1" class="dfield"><h2 style="--fontSize:44; line-height: 1.14;" data-fontsize="44" data-lineheight="50.1667px" class="fusion-responsive-typography-calculated">Questions</h2></div><div class="clearer"></div></div><div class="fields input fieldname4_1 cff-number-field" id="field_1-44"><label for="fieldname4_1">How many invoices do you issue on a monthly basis?<span class="r">*</span></label><div class="dfield" uh="No.of invoices"><input aria-label="How many invoices do you issue on a monthly basis?" id="fieldname4_1" name="fieldname4_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname5_1 cff-number-field" id="field_1-2"><label for="fieldname5_1">What is your average invoice amount?<span class="r">*</span></label><div class="dfield" uh="Amount"><input aria-label="What is your average invoice amount?" id="fieldname5_1" name="fieldname5_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname6_1 cff-number-field" id="field_1-3"><label for="fieldname6_1">What is your standard credit period on issue invoices?<span class="r">*</span></label><div class="dfield" uh="Days"><input aria-label="What is your standard credit period on issue invoices?" id="fieldname6_1" name="fieldname6_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname7_1 cff-number-field" id="field_1-4"><label for="fieldname7_1">What is the average monthly amount paid to suppliers ?<span class="r">*</span></label><div class="dfield" uh="Amount"><input aria-label="What is the average monthly amount paid to suppliers ?" id="fieldname7_1" name="fieldname7_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname8_1 cff-number-field" id="field_1-5"><label for="fieldname8_1">What is your monthly payroll?<span class="r">*</span></label><div class="dfield" uh="Amount"><input aria-label="What is your monthly payroll?" id="fieldname8_1" name="fieldname8_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname9_1 cff-number-field" id="field_1-6"><label for="fieldname9_1">How many employees do you have in your company?<span class="r">*</span></label><div class="dfield" uh="No.of employees"><input aria-label="How many employees do you have in your company?" id="fieldname9_1" name="fieldname9_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname10_1 cff-number-field" id="field_1-7"><label for="fieldname10_1">What is your monthly rent?<span class="r">*</span></label><div class="dfield" uh="Amount"><input aria-label="What is your monthly rent?" id="fieldname10_1" name="fieldname10_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname11_1 cff-number-field" id="field_1-8"><label for="fieldname11_1">What is your average borrowing rate from your bank?<span class="r">*</span></label><div class="dfield" uh="Percent"><input aria-label="What is your average borrowing rate from your bank?" id="fieldname11_1" name="fieldname11_1" min="0" class="field percent number large required" type="text" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields input fieldname12_1 cff-number-field" id="field_1-9"><label for="fieldname12_1">What are your cash reserves?<span class="r">*</span></label><div class="dfield" uh="Amount"><input aria-label="What are your cash reserves?" id="fieldname12_1" name="fieldname12_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields fieldname50_1 cff-calculated-field cff-exclude" id="field_1-10" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname50_1">Show Result Data</label><div class="dfield"><input aria-label="Show Result Data" id="fieldname50_1" name="fieldname50_1" readonly="" class="codepeoplecalculatedfield field medium" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields divider_line fieldname25_1 section_breaks" id="field_1-11"><div class="section_break" id="fieldname25_1"></div><label></label><span class="uh"></span><div class="clearer"></div></div><div class="fields input fs-lg-25 daysLate fieldname13_1 cff-number-field" id="field_1-12"><label for="fieldname13_1">Days Late<span class="r">*</span></label><div class="dfield" uh="No.of days"><input aria-label="Days Late" id="fieldname13_1" name="fieldname13_1" min="0" class="field digits large required" type="number" value="" placeholder="0"></div><div class="clearer"></div></div><div class="fields  fieldname14_1 cff-calculated-field" id="field_1-13" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname14_1">Monthly Sales<span class="r">*</span></label><div class="dfield"><input aria-label="Monthly Sales" id="fieldname14_1" name="fieldname14_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname15_1 cff-calculated-field" id="field_1-14" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname15_1">Amount sold in 115 days<span class="r">*</span></label><div class="dfield"><input aria-label="Amount sold in 115 days" id="fieldname15_1" name="fieldname15_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname16_1 cff-calculated-field" id="field_1-15" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname16_1">Amount collected in 115 days<span class="r">*</span></label><div class="dfield"><input aria-label="Amount collected in 115 days" id="fieldname16_1" name="fieldname16_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname17_1 cff-calculated-field" id="field_1-16" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname17_1">Payment to suppliers<span class="r">*</span></label><div class="dfield"><input aria-label="Payment to suppliers" id="fieldname17_1" name="fieldname17_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname18_1 cff-calculated-field" id="field_1-17" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname18_1">Payroll<span class="r">*</span></label><div class="dfield"><input aria-label="Payroll" id="fieldname18_1" name="fieldname18_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname19_1 cff-calculated-field" id="field_1-18" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname19_1">Rent<span class="r">*</span></label><div class="dfield"><input aria-label="Rent" id="fieldname19_1" name="fieldname19_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname20_1 cff-calculated-field" id="field_1-19" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname20_1">Net Profit<span class="r">*</span></label><div class="dfield"><input aria-label="Net Profit" id="fieldname20_1" name="fieldname20_1" class="codepeoplecalculatedfield field small required" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields  fieldname21_1 cff-calculated-field" id="field_1-20" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname21_1">Cash Result</label><div class="dfield"><input aria-label="Cash Result" id="fieldname21_1" name="fieldname21_1" class="codepeoplecalculatedfield field large" type="hidden" value="1" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields field_flex_full fieldname51_1 cff-container-field" id="field_1-26"><div id="fieldname51_1"><div class="fields column2 column2_all pull-left fieldname44_1 cff-container-field" id="field_1-24"><div id="fieldname44_1"><div class="fields copy_btn fieldname52_1 cff-button-field column2 cff-highlight" id="field_1-25" style="clear: left;"><input id="fieldname52_1" type="button" value="Copy Code" class="field valid" aria-invalid="false"><span class="uh"></span><div class="clearer"></div></div></div><div class="clearer"></div></div><div class="fields column2 column2_all pull-right fieldname43_1 cff-container-field" id="field_1-22"><div id="fieldname43_1"><div class="fields btn_white pull-left clear_btn fieldname30_1 cff-button-field column2" id="field_1-21" style="clear: left;"><input id="fieldname30_1" type="reset" value="Clear" class="field reset-button"><span class="uh"></span><div class="clearer"></div></div><div class="fields calc_btn pull-right fieldname53_1 cff-button-field column2" id="field_1-23"><input id="fieldname53_1" type="button" value="Calculate" class="field calculate-button"><span class="uh"></span><div class="clearer"></div></div></div><div class="clearer"></div></div></div><div class="clearer"></div></div><div class="fields form_copyright fieldname31_1 cff-container-field" id="field_1-54"><div id="fieldname31_1"><div class="fields  fieldname32_1 comment_area" id="field_1-42"><label id="fieldname32_1">Powered by:</label><span class="uh"><a href="https://brodmin.com/" target="_blank">brodmin.com</a></span><div class="clearer"></div></div></div><div class="clearer"></div></div></div><div class="clearer"></div></div><div class="fields field_box column2 calc_result hide fieldname26_1 cff-container-field" id="field_1-1"><div id="fieldname26_1"><div class="fields  fieldname47_1 cff-calculated-field" id="field_1-28" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname47_1">If result is equal or blow</label><div class="dfield"><input aria-label="If result is equal or blow" id="fieldname47_1" name="fieldname47_1" readonly="" class="codepeoplecalculatedfield field medium" type="hidden" value="1" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields reslut_header fieldname27_1 cff-container-field" id="field_1-32"><div id="fieldname27_1"><div class="fields result_header_text fieldname28_1 comment_area" id="field_1-43"><label id="fieldname28_1">Consequences</label><span class="uh"></span><div class="clearer"></div></div><div class="fields input_result fieldname22_1 cff-calculated-field" id="field_1-27" style=""><label for="fieldname22_1"></label><div class="dfield"><input aria-label="" id="fieldname22_1" name="fieldname22_1" class="codepeoplecalculatedfield field large" type="text" value="" dep="" notdep=""><span class="uh"></span></div><div class="clearer"></div></div><div class="fields  fieldname48_1 cff-calculated-field" id="field_1-29" style="padding:0;margin:0;border:0;opacity:0;width:0;height:0;overflow:hidden;"><label for="fieldname48_1">Show Sub Results</label><div class="dfield"><input aria-label="Show Sub Results" id="fieldname48_1" name="fieldname48_1" readonly="" class="codepeoplecalculatedfield field medium" type="hidden" value="" dep="" notdep="fieldname33,fieldname29"></div><div class="clearer"></div></div><div class="fields cash_result_label fieldname29_1 comment_area" id="field_1-30" style="display: none;"><label id="fieldname29_1" class="ignore">Cash Shortage</label><span class="uh"></span><div class="clearer"></div></div><div class="fields cash_result_label fieldname49_1 comment_area" id="field_1-31"><label id="fieldname49_1">Cash Surplus</label><span class="uh"></span><div class="clearer"></div></div></div><div class="clearer"></div></div><div class="fields column1 sub_results fieldname33_1 cff-container-field" id="field_1-33" style="display: none;"><div id="fieldname33_1" class="ignore"><div class="fields inst_icon fieldname54_1 cff-text-field cff-exclude" id="field_1-35" style="display: none;"><label for="fieldname54_1">It will lead to either:</label><div class="dfield" uh="Late or unpaid suppliers bills can result in interruptions of services leading to a reduction in sales, late payment fees and a bad reputation in the market which decreases "><input aria-label="It will lead to either:" id="fieldname54_1" name="fieldname54_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname34_1 cff-calculated-field" id="field_1-34" style="display: none;"><label for="fieldname34_1"></label><div class="dfield"><input aria-label="" id="fieldname34_1" name="fieldname34_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="" placeholder="0" dep="" notdep=""><span class="uh">unpaid suppliers bills</span></div><div class="clearer"></div></div><div class="fields inst_icon fieldname55_1 cff-text-field cff-exclude" id="field_1-36" style="display: none;"><label for="fieldname55_1">AND/OR</label><div class="dfield" uh="Your employees' reaction to a late or non-payment of their salaries goes beyond what a business can tolerate. It strickes the core of their motivation and feeling of security making them prone to fraud, unprofessional client facing behavior and general misconduct. In additon, lawsuits from employees will wreck havoc on your company's reputation and its ability to hire new talent."><input aria-label="AND/OR" id="fieldname55_1" name="fieldname55_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field pb_0 fieldname35_1 cff-calculated-field cff-exclude" id="field_1-46" style="display: none;"><label for="fieldname35_1"></label><div class="dfield"><input aria-label="" id="fieldname35_1" name="fieldname35_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="0" dep="" notdep=""><span class="uh">Unpaid employees salaries more than</span></div><div class="clearer"></div></div><div class="fields sub_results_field fleld_no_label pt_0 fieldname36_1 cff-calculated-field cff-exclude" id="field_1-53" style="display: none;"><label for="fieldname36_1"></label><div class="dfield"><input aria-label="" id="fieldname36_1" name="fieldname36_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="" placeholder="0" dep="" notdep=""><span class="uh">unpaid employees</span></div><div class="clearer"></div></div><div class="fields inst_icon fieldname56_1 cff-text-field cff-exclude" id="field_1-37" style="display: none;"><label for="fieldname56_1">AND/OR</label><div class="dfield" uh="Eviction is around the corner when you office rent is not paid. Evictions jeaprodize confidence in a company's survival and disrupts the technical, human and business processes in place even if a sound alternative office is found. The cost and time for re-aligning business functions and roles can deepen a company's woes"><input aria-label="AND/OR" id="fieldname56_1" name="fieldname56_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname37_1 cff-calculated-field cff-exclude" id="field_1-47" style="display: none;"><label for="fieldname37_1"></label><div class="dfield"><input aria-label="" id="fieldname37_1" name="fieldname37_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="" placeholder="0" dep="" notdep=""><span class="uh">Unpaid rent</span></div><div class="clearer"></div></div><div class="fields inst_icon fieldname57_1 cff-text-field cff-exclude" id="field_1-38" style="display: none;"><label for="fieldname57_1">AND/OR</label><div class="dfield" uh="Aavoidable yearly interest rate expense."><input aria-label="AND/OR" id="fieldname57_1" name="fieldname57_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname38_1 cff-calculated-field cff-exclude" id="field_1-48" style="display: none;"><label for="fieldname38_1"></label><div class="dfield"><input aria-label="" id="fieldname38_1" name="fieldname38_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="0" dep="" notdep=""><span class="uh">avoidable yealy interest</span></div><div class="clearer"></div></div><div class="fields  fieldname61_1 cff-calculated-field" id="field_1-49" style="padding: 0px; margin: 0px; border: 0px none; opacity: 0; width: 0px; height: 0px; overflow: hidden; display: none;"><label for="fieldname61_1">SumUp</label><div class="dfield"><input aria-label="SumUp" id="fieldname61_1" name="fieldname61_1" readonly="" class="codepeoplecalculatedfield field medium ignore" type="hidden" value="" dep="" notdep=""></div><div class="clearer"></div></div><div class="fields inst_icon fieldname59_1 cff-text-field cff-exclude" id="field_1-41" style="display: none;"><label for="fieldname59_1">You need to collect</label><div class="dfield" uh="Days earlier to avoid deficits created by late payments of invoices."><input aria-label="You need to collect" id="fieldname59_1" name="fieldname59_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname39_1 cff-calculated-field cff-exclude" id="field_1-50" style="display: none;"><label for="fieldname39_1"></label><div class="dfield"><input aria-label="" id="fieldname39_1" name="fieldname39_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="0" dep="" notdep=""><span class="uh">days earlier to avoid deficits created by late payments of invoices</span></div><div class="clearer"></div></div><div class="fields inst_icon fieldname58_1 cff-text-field cff-exclude" id="field_1-39" style="display: none;"><label for="fieldname58_1">You need to collect at day</label><div class="dfield" uh="To avoid deficits created by late payments of invoices"><input aria-label="You need to collect at day" id="fieldname58_1" name="fieldname58_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname40_1 cff-calculated-field cff-exclude" id="field_1-51" style="display: none;"><label for="fieldname40_1"></label><div class="dfield"><input aria-label="" id="fieldname40_1" name="fieldname40_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="0" dep="" notdep=""><span class="uh">to avoid deficits created by the payments of invoices</span></div><div class="clearer"></div></div><div class="fields inst_icon fieldname60_1 cff-text-field cff-exclude" id="field_1-40" style="display: none;"><label for="fieldname60_1">Maximum of</label><div class="dfield" uh="Days of late payment the business can survive"><input aria-label="Maximum of" id="fieldname60_1" name="fieldname60_1" class="field medium ignore" readonly="" type="text" value=""></div><div class="clearer"></div></div><div class="fields sub_results_field fieldname41_1 cff-calculated-field cff-exclude" id="field_1-52" style="display: none;"><label for="fieldname41_1"></label><div class="dfield"><input aria-label="" id="fieldname41_1" name="fieldname41_1" readonly="" class="codepeoplecalculatedfield field large ignore" type="text" value="0" dep="" notdep=""><span class="uh">days of late payment the business can survive</span></div><div class="clearer"></div></div></div><div class="clearer"></div></div></div><div class="clearer"></div></div></div></div>
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