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Free AR Cost Calculator

What's Your Aging Bucket
Actually Costing You?

Punch in two numbers from QuickBooks. See what floating other people's jobsites costs you every year — and what getting back to healthy is worth.

1 Your numbers

$
1545 = healthy180

2 What it's costing you

Cash stuck above the 45-day healthy line
$0
That's your working capital sitting on someone else's jobsite. 45-day target: Commerce Bank
Carrying cost per year at 10%$0
Every single day of DSO ties up$0
Your DSO vs. the healthy line—
With dedicated follow-up

If your DSO dropped 32% — the industry average with dedicated AR follow-up:

—
new DSO
(days)
$0
cash back in
your bank
$0
carrying cost saved
every year
32% is the average DSO reduction with dedicated AR automation (Tesorio, 2025) — an industry average, not a promise. CollectFlo runs $500–1,500/month with a 60-day pilot and no long-term contracts. We show the math; you do the judging.

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The full breakdown

Implied daily credit sales (A/R ÷ DSO)$0
A/R on the books today$0
A/R if you ran at the 45-day healthy line$0
Cash floating above the healthy line$0
Carrying cost per year at 10%$0
DSO with dedicated follow-up (32% avg reduction, floor 45)—
One-time cash unlocked$0
Carrying cost saved per year$0
CollectFlo cost per year ($500–1,500/mo)$6,000 – $18,000
First-year net cash effect (midpoint cost)$0
Math: daily credit sales = A/R ÷ DSO. Cash above the line = daily sales × (DSO − 45). Carrying cost = floating cash × your line-of-credit rate. First-year net = cash unlocked + annual carrying savings − $12,000 midpoint CollectFlo cost. The 32% reduction figure is the industry average for dedicated AR automation (Tesorio, 2025); we floor the projected DSO at the 45-day healthy target (Commerce Bank). Illustrative math on your inputs — not a quote, not a guarantee.
Benchmarks: Commerce Bank & ConstructionCostAccounting.com (45-day healthy DSO) · CreditPulse 2025 (83-day construction average; 63–77 day contractor DSO) · ReadyRatios SIC 32, 2024 (ready-mix turnover) · D&B Q1 2025 AR Report, SIC 7353 (rental aging) · Tesorio 2025 (32% average DSO reduction) · Billd 2024 (57-day supplier wait) · Level CFO 2025 ($280B annual construction receivables bleed)