How do I calculate how much unpaid invoices are costing my business?

Multiply your monthly invoiced amount by your unpaid rate to find revenue at risk, then add your late payment losses (monthly invoiced amount × late payment rate × a financing cost factor, typically 5%). On top of that, calculate the staff time spent chasing payments (hours per month × hourly cost). Together, these three figures — revenue at risk, delay cost, and chasing cost — make up your total monthly exposure. The KLEVERBILL calculator does this automatically from your inputs.

What is a late payment rate?

The late payment rate is the percentage of your invoices that are paid after the due date but before your final reminder. For most businesses this is between 20% and 40%. Late payments tie up cash flow even when the money eventually arrives — the delay itself has a cost, typically estimated at 5% annually of the delayed amount.

What is an unpaid rate (bad debt rate)?

The unpaid rate is the percentage of invoices that remain unpaid even after your final reminder — effectively bad debt. Industry averages range from 2% to 8%. Even a 3% unpaid rate on €100,000 monthly invoicing means €3,000 written off every month, or €36,000 per year.

How much does manual invoice chasing cost a business?

Manual chasing costs vary widely, but a typical business spends 5–15 hours per month per team member on payment follow-up. At an average European office worker cost of €35–50/hour, that is €175–750 per person per month — purely in labour. Businesses with high invoice volumes often spend significantly more without realising it.

What is KLEVERBILL and how does it recover unpaid invoices?

KLEVERBILL is an automated accounts receivable platform that sends payment reminders, manages dunning workflows, and tracks invoice status — replacing manual chasing with automated, professional follow-up. It recovers revenue by reducing bad debt (through earlier, more consistent reminders), accelerating cash flow from late payers, and freeing staff time previously spent on manual follow-up.

How much of my unpaid invoices can realistically be recovered?

Recovery rates depend on invoice age, customer type, and how quickly follow-up begins. With automated early intervention, businesses typically recover 40–70% of invoices that would otherwise go unpaid. The KLEVERBILL calculator uses a conservative default recovery rate that you can adjust in the scenario explorer.

Which KLEVERBILL plan is right for my business?

The right plan depends on your monthly invoice volume. Silver (€39/mo) covers up to 25 invoices/month. Gold (€199/mo) covers up to 250 invoices/month and adds API integration and custom workflows — the most popular choice for growing businesses. Platinum (€449/mo) supports up to 1,000 invoices/month with ERP/CRM integration. Enterprise is for unlimited volume with custom setup. The calculator recommends a plan based on your inputs.

Is the Revenue Recovery Calculator free to use?

Yes — the KLEVERBILL Revenue Recovery Calculator is completely free, requires no account, and shows results anonymously. No contact details are collected unless you choose to book a recovery audit.

Revenue Recovery Calculator

How much money are unpaid invoices costing you?

Most companies underestimate this by 2–3x.
We built a free calculator to show your real loss.

What is your monthly invoice volume?

Invoices per month

Average invoice value

€

Late payment rate

Unpaid before the first payment reminder

Unpaid rate

Unpaid after sending the last reminder

Maker's Note

This is not a contact collection tool — all users see their results completely anonymously and free.

How it works

Three cost drivers, one clear number

The calculator measures what delayed payments, unpaid invoices, and manual chasing actually cost each month — then models how much of that is recoverable.

Step by step

Enter your invoice volume

Input your monthly invoice count and average invoice value. The calculator uses these to determine your total monthly invoiced amount.

Set your payment rates

Enter the percentage of invoices paid late and the percentage that go permanently unpaid — your late payment rate and unpaid rate.

Add your chasing costs

Enter how many hours your team spends on payment follow-up each month and what those hours cost internally.

See your monthly exposure

The calculator combines delay costs (at a 5% annual financing rate), revenue at risk, and labour costs into a single monthly exposure figure.

Explore recovery scenarios

Adjust the scenario sliders to model different recovery rates and see how much KLEVERBILL could recover for your specific situation.

What the outputs mean

Monthly ExposureEMRL

Your total estimated monthly receivables lost — the sum of delay costs, revenue at risk, and chasing labour. This is the headline number the calculator is built around.

Recovered RevenueERUV

Estimated unpaid value recoverable with KLEVERBILL, based on your unpaid rate and the chosen recovery scenario. Calculated as revenue at risk × recovery rate.

Labour SavingsELS

The staff time saved when manual chasing is automated. KLEVERBILL typically eliminates around 70% of internal chasing effort, freeing your team for higher-value work.

Cash Flow BenefitACB

The value of receiving late payments sooner. Accelerating late payers reduces your average debtor days and improves working capital — even before a single invoice goes unpaid.

Frequently asked questions

How do I calculate how much unpaid invoices are costing my business?: Multiply your monthly invoiced amount by your unpaid rate to find revenue at risk, then add your late payment losses (monthly invoiced amount × late payment rate × a financing cost factor, typically 5%). On top of that, calculate the staff time spent chasing payments (hours per month × hourly cost). Together, these three figures — revenue at risk, delay cost, and chasing cost — make up your total monthly exposure. The KLEVERBILL calculator does this automatically from your inputs.
What is a late payment rate?: The late payment rate is the percentage of your invoices that are paid after the due date but before your final reminder. For most businesses this is between 20% and 40%. Late payments tie up cash flow even when the money eventually arrives — the delay itself has a cost, typically estimated at 5% annually of the delayed amount.
What is an unpaid rate (bad debt rate)?: The unpaid rate is the percentage of invoices that remain unpaid even after your final reminder — effectively bad debt. Industry averages range from 2% to 8%. Even a 3% unpaid rate on €100,000 monthly invoicing means €3,000 written off every month, or €36,000 per year.
How much does manual invoice chasing cost a business?: Manual chasing costs vary widely, but a typical business spends 5–15 hours per month per team member on payment follow-up. At an average European office worker cost of €35–50/hour, that is €175–750 per person per month — purely in labour. Businesses with high invoice volumes often spend significantly more without realising it.
What is KLEVERBILL and how does it recover unpaid invoices?: KLEVERBILL is an automated accounts receivable platform that sends payment reminders, manages dunning workflows, and tracks invoice status — replacing manual chasing with automated, professional follow-up. It recovers revenue by reducing bad debt (through earlier, more consistent reminders), accelerating cash flow from late payers, and freeing staff time previously spent on manual follow-up.
How much of my unpaid invoices can realistically be recovered?: Recovery rates depend on invoice age, customer type, and how quickly follow-up begins. With automated early intervention, businesses typically recover 40–70% of invoices that would otherwise go unpaid. The KLEVERBILL calculator uses a conservative default recovery rate that you can adjust in the scenario explorer.
Which KLEVERBILL plan is right for my business?: The right plan depends on your monthly invoice volume. Silver (€39/mo) covers up to 25 invoices/month. Gold (€199/mo) covers up to 250 invoices/month and adds API integration and custom workflows — the most popular choice for growing businesses. Platinum (€449/mo) supports up to 1,000 invoices/month with ERP/CRM integration. Enterprise is for unlimited volume with custom setup. The calculator recommends a plan based on your inputs.
Is the Revenue Recovery Calculator free to use?: Yes — the KLEVERBILL Revenue Recovery Calculator is completely free, requires no account, and shows results anonymously. No contact details are collected unless you choose to book a recovery audit.