What are late payments actually costing you?

Freelancers lose an average of ~$6,000/year to late-paying clients — not just in delayed cash, but in the hours spent writing follow-up emails. Fill in your numbers to see your own estimate.

Overdue invoices per monthAverage invoice amount ($)Average days paid lateHours spent chasing per invoiceYour hourly rate ($)

Estimated yearly cost of late payments

$4,014

$414 in delayed-cash opportunity cost on $72,000/yr in overdue invoices
$3,600 in time spent chasing (48 hours/year at $75/hr)

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This is a simplified estimate for illustration (opportunity cost of delayed cash plus time spent chasing at your stated hourly rate). It isn't financial advice.