Cash flow tools for US service businesses · free, no sign-up
Spot the cash dipweeks before it hits.
Three free tools: who owes you and since when, what a software switch really costs, and what each way of getting paid costs you.
Tool 1 · A/R aging and next actions
Who owes you, and since when.
Eight sample invoices, aged by the same engine as the tool. Move the date: each invoice slides to its real age, paid ones leave the totals, new ones arrive as current.
Settled · kept for reconciliation, out of the totals
Open = original − cleared payments − credits on or before the date. Pending payments and promises never reduce it. Sample invoices, fictional.
Tool 2 · Software switching cost and seats
A $60 plan costs more than $60 a month.
The first year of a switch, line by line, then on the months the money actually leaves, next to what keeping your old plan would cost.
Recipe from our tool spec: 720 + 80 + 100 + 150 + 120 = $1,170 of cash over 12 months. Keeping the old plan: 12 × $40 = $480, so the switch costs $690 more in cash. Team time (10 h × $35 = $350) is shown apart: it is not money leaving your account. Sample figures, not any vendor's current prices.
Tool 3 · Invoice payment fee calculator
Ten $1,000 invoices. Two very different checks.
Same invoices, same $20 monthly subscription. Only the way your clients pay changes, and with it what you keep.
Card
Example rate: 2.9% + $0.30 per paymentACH
Example rate: 0.8%, capped at $5 per paymentThree free tools · results, CSV, print
Answer the question before you buy software.
Every tool gives a complete result without an account or an email. Software comes after, matched to what you actually need.
A/R aging and next actions
Which invoices are open, how late they are, and which to review first. Pending payments and promises are shown, never counted as paid.
02 · SwitchingSoftware switching cost and seats
What a change of accounting software costs in cash and team time, month by month, against keeping your plan. Then the seats you really need.
03 · Getting paidInvoice payment fee calculator
Card, ACH or check: what the fee schedules you enter cost on your own invoices, payment by payment, with the cap where it really applies.
How we compare · how we make money
Proof first. Recommendations second.
Your needs do the sorting.
If a tool lacks something you told us you need, it drops out. What a company pays us never changes the order.
Every number has a source.
With the date we read it. Prices are US prices in USD, checked again before each update. What we don't know, we say we don't know.
Affiliate links are labeled.
Some links earn us a commission if you sign up, at no extra cost to you. We say so right next to every one of them.
The sample business, paid on time
Get paid.
Who owes you, since when, and what each payment costs you to collect.
Review your open invoices →Free. No account. Your numbers stay in your browser.