How much is waiting on payments costing you?

We estimate the portion of your outstanding invoice value that would be collected sooner if your average payment delay dropped to the target DSO for your stated terms. Formula: invoices × average value × (days gained ÷ current days).

We divide the estimated cash unlocked faster by the Relanco Solo plan price ($29/mo CAD). This shows how many dollars you could recover for every dollar spent. For example, a 12× result means recovering $12 in cash flow for every $1 of plan cost.

DSO (Days Sales Outstanding) measures how long it takes to collect after an invoice is issued. The target adjusts based on your stated payment terms — Net 30 contractors aim for ~38 days, Net 60 contractors for ~68 days. The Atradius 2024 benchmark is roughly 7 days past stated terms when automated reminders are in place.

No — this calculator uses broad assumptions. Businesses with longer payment terms, disputed invoices, or clients who pay regardless of reminders may see lower improvement. The time saved figure depends on the per-follow-up time you select. Think of these as directional estimates, not guarantees.

Most contractors hate billing late fees but feel forced to when invoices drag. Faster payment removes the trigger entirely — you keep the relationship clean and never have to send the awkward late-fee invoice in the first place.

Treat it as a ceiling. With shorter terms, some of the "days gained" wouldn't have technically accrued late fees in the first place, so the late-fee prevented figure may be slightly high. The cash-unlocked figure stays directionally accurate.