A clear, consistent late fee nudges clients to pay and compensates you for waiting. Enter the invoice, your rate, and days overdue to see the fee — then track them all with the full tool.
Apply consistent late fees and see the true total due on every overdue invoice.
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Commonly a monthly finance charge of around 1% to 2% of the overdue amount, applied for the time the invoice is late — but allowable rates are capped by law in many places and should be stated in your terms before the work. This calculator applies whatever monthly rate you set over the days overdue; check the limits that apply to you.
Yes. Late fees are far more enforceable and less awkward when they're written into your quote, contract, or invoice terms before you start work. A clear line like '1.5% per month on overdue balances' sets the expectation, so charging it later isn't a surprise. Always agree terms in advance.
A ready-to-use spreadsheet (Excel & Google Sheets): late fee and new total due for each overdue invoice from your monthly rate and the days late, tracked in one place — delivered instantly after checkout. AI-assisted, human-built; not legal or financial advice.
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