# Payment Delay Cost Calculator

> For distributors and traders: see how much money sits with buyers beyond your credit period, and what it costs you in interest.

- Page: https://www.brandbakery.tech/tools/payment-delay-cost
- Last updated: 2026-10-21

Breadcrumb: [Home](https://www.brandbakery.tech/) > [Tools](https://www.brandbakery.tech/tools) > Payment Delay Cost Calculator

Add your credit sales a month, the credit period you give, how long payments really take and the interest on your OD or CC limit. See the money stuck beyond terms, the total owed to you, the interest it costs a month and a year, and a polite reminder plan.

## Use it

Open the tool in a browser at https://www.brandbakery.tech/tools/payment-delay-cost. It is free and needs no signup.

## Use it from code

For a distributor or trader selling on credit: from credit sales a month, the credit period, the actual days to collect and the interest rate on the firm's own borrowing, the days late, the money sitting with buyers beyond terms, the total owed and the interest it costs a month and a year. A month is 30 days.

`POST https://www.brandbakery.tech/api/tools/payment_delay_cost` with a JSON body, or call the `payment_delay_cost` tool on the [MCP server](https://www.brandbakery.tech/mcp).

| Input | Type | Required | Description |
| --- | --- | --- | --- |
| `creditSalesPerMonth` | number | yes | Sales on credit a month, in rupees. |
| `creditDays` | number | yes | Credit period given, in days. |
| `actualDays` | number | yes | Average days it actually takes to collect. |
| `interestPercent` | number | yes | Interest on the firm's own OD, CC limit or loan, percent a year. |

## Questions owners ask

**How is the money stuck worked out?** Your credit sales a month, divided by 30, times the days payments run past your credit period. With ₹30 lakh of credit sales and payments 22 days late on average, about ₹22 lakh is sitting with buyers at any time beyond what you agreed.

**Which interest rate should I use?** The rate on the money that fills the gap: your OD or CC limit, or a business loan. If you fund it from your own savings, use what those savings would have earned.

**Is the interest the whole cost?** No. Late payers are also more likely to never pay, and chasing them takes your team's time. The calculator shows only the interest, because that is the part you can work out exactly.

**Is a reminder plan pushy?** Not if it is polite and on schedule. Most late payments are forgotten invoices, not refusals. A note before the due date, a reminder on it and a call a few days after usually settles them.

## Related tools

- [Lead Leak Audit](https://www.brandbakery.tech/tools/lead-leak-audit): Ten yes, no or not sure questions that show where your enquiries slip away, with a score out of 100 and what to fix first.
- [Interior Enquiry Reply Clock](https://www.brandbakery.tech/tools/interior-reply-clock): For interior designers and modular kitchen firms: see how long your unluckiest enquiry waits for a reply, and the project value that arrives while you are closed.
- [Solar Site Survey Cost Calculator](https://www.brandbakery.tech/tools/solar-site-survey-cost): For rooftop solar installers: see what your site survey trips cost per signed installation, and what goes on roofs that could never fit.
- [Solar Lead Funnel Calculator](https://www.brandbakery.tech/tools/solar-lead-funnel): For rooftop solar installers: see how many leads you actually reach, survey and sign each month, the lead spend behind each installation, and what reaching more leads is worth.

Category: [Leads & sales](https://www.brandbakery.tech/tools/category/sales)

---

Brand Bakery is a design-first digital studio in New Delhi. Start an enquiry at https://www.brandbakery.tech/contact or email support@brandbakery.tech. This is the Markdown copy of https://www.brandbakery.tech/tools/payment-delay-cost; the site index for language models is https://www.brandbakery.tech/llms.txt.