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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.

Where this fits

💸 Budgeting & Cash FlowGoing 1099Cash FlowFreelancersFounders

This tool lives inside Going 1099 + Cash Flow and is most useful for freelancers and founders.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

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

Average project value
$
Projects per year
projects

Payment Terms

Current terms

Target terms

Late Payers

% of clients who pay late
%
Extra days late payers take
days

Opportunity Cost

Your savings / investment rate

5% = approx HYSA rate; 7-10% = market return

%/yr

Current annual cost

$786

opportunity cost of Net-60

Annual savings at Net-15

$555

+$11,096 capital freed

MetricNet-60Net-15Difference
Avg days outstanding63.8d18.8d-45.0d
Working capital in AR$15,719$4,623-$11,096
Annual opp. cost$786$231+$555
Avg projects outstanding3.10.9-2.2invoices

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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