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Free tool · 2 minutes

How much of your cash is stuck with customers?

Enter what is overdue by age. See the total, how old it is and what to do about each bucket, then copy a polite reminder for every stage, from "due in 3 days" to the final reminder.

  • Free, no sign-up
  • Works on your phone
  • Nothing saved unless you ask

What is overdue, by age

Rough numbers are fine. Take them from your outstanding report or ledger.

0–30 days
₹
31–60 days
₹
61–90 days
₹
90+ days
₹
₹

Used only to work out how many days of sales are stuck.

Cash stuck with customers

₹0
    –days of sales stuck
    0customers overdue

      Payment reminder messages, one for each stage

      Fill in one invoice to see the messages ready to send. These details stay on this page.

      ₹
      Tone
        Free · on WhatsApp

        Get the credit policy template

        A one-page credit policy (limits, days, who decides) plus your summary and all five reminders, sent on WhatsApp.

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        How this works
        1. The total is simply the four amounts added up. The bar shows each age bucket as a share of that total.
        2. "Days of sales stuck" is the total divided by your average daily sales (monthly sales ÷ 30). Leave monthly sales empty to skip it.
        3. Flags come from fixed rules in this tool, for example "money in the 90+ bucket", or "more than a third of the total is over 60 days old". They describe your numbers; they are not predictions.
        4. The reminder messages are templates. Your customer, amount, invoice and due date are filled in as you type. Nothing is saved unless you send the result to yourself.
        Next step

        Turn this into a system

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        Automation Scorecard

        Twelve questions, a score out of 100 and a breakdown across all six layers of your business.

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        From the book: Template T14, Payment Reminders and T13, Credit Policy. Read the book: Jugaad Is Not a System

        Questions

        Frequently asked

        Before the due date, not after. A short note three days before, and one on the due day, keeps most payments on time without any awkwardness.

        Not if the message is short, polite and has the facts: invoice number, amount and due date. Customers who mean to pay usually just need the reminder and the details in one place.

        The MSMED Act sets limits on how long a buyer can take to pay a registered micro or small enterprise (Udyam), with interest on delays. Read the rules for your case and check with your CA before quoting them to a customer.

        Decide it in advance in a written credit policy (credit limit and days for each customer), not in the moment. The book template "Credit Policy" is a one-page start.

        No. The calculation happens on this page. Amounts are saved only if you send the result to yourself, and even then no customer names are needed.
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