All business decision tools
What does delayed retainage collection cost your business?
Estimate retained cash and the financing cost of waiting after the underlying work is billed.
Example scenario
Editable demonstration inputs, not verified industry benchmarks. Enable JavaScript to calculate your own scenario.
- Completed contract billings
- $2,000,000
- Retainage share
- 10 %
- Months until retainage collection
- 9 months
- Annual cash financing rate
- 12 %
- Expected uncollectible retainage share
- 2 %
Expected retainage financing & loss cost
Example result only, not a forecast or promise.
- Cash held as retainage
- $200,000
- Simple financing cost
- $18,000
- Expected uncollectible amount
- $4,000
What to do with this result
Track release conditions, punch-list evidence and collection dates by contract; local rules and contract terms require separate review.
Know what is inside the model.
Planning model, not personalized financial advice. Your inputs remain in your browser.
Calculation method
Retainage = billed contract value × retention share. Carrying cost = retainage × annual financing rate × months / 12. Expected loss = retainage × uncollectible share.
Assumptions and limitations
- Example inputs are editable scenarios, not Aryo results or independently verified industry benchmarks.
- Use local quoted costs and your actual job history. Estimates exclude licensing, code, safety and legal determinations.