Percentage
Usually 1-1.5% per month. Scales with invoice size and is the cleanest model for most freelance invoices.
Overdue invoice tool
Invoice late fee calculator.
Calculate the late fee and total amount due on an overdue invoice. Use it to check the math, then make sure your contract actually allows the fee.
01
Invoice amount
02
Days overdue
03
Fee policy
Invoice details
Set the unpaid amount and how long the invoice has been overdue.
30 days
1 day6 months
Late fee structure
Choose the model that matches the terms already written into your contract or invoice.
1.5%
Common range: 1-1.5% per month, or 12-18% annually.
Legal note
Late fee laws vary by state and country. Some jurisdictions cap interest rates or require written terms before fees can be applied. This calculator is informational, not legal advice.
Fee structures
Late fees should be boring and written down.
The best late fee policy is one the client already saw before the invoice became overdue.
Flat monthly fee
Simple to explain, but it can be too small for large invoices or too harsh for small ones.
Daily rate
Creates urgency, but can feel aggressive. Use only when the client agreed to it in writing.
Best practices before applying a fee.
Put payment terms and late fee terms in the contract before work begins.
Repeat the terms on every invoice instead of burying them in email.
Send a reminder before the due date, not only after the invoice is late.
Apply fees consistently and document any intentional waiver.
Escalate older invoices with a written trail, not emotional follow-up.
Sample late payment terms.
Payment is due within 30 days of invoice date. A late fee of 1.5% per month will be applied to overdue balances. If payment is not received within 60 days, the account may be referred to collections and additional fees may apply.
Frequently Asked Questions
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