They paid late. Here’s the extra on the invoice.

The invoice sat. The extra is a product, not a statute

In 2026 the PDF left on time. Their AP queue did not. The face value is still the face value. What this card prints is the extra sitting on that same bill: a share of the invoice you type, not a lecture about respect and not a month-by-month mill someone copied from a blog.

Extra = invoice you type × share you type. Still owed = invoice + extra. Two numbers from one sitting face value. Nothing else is multiplied. There is no days-late box. There is no hours-chasing × floor. There is no 1.5% per month hiding behind the share. The hourly floor you already built on the hub is still income, billable weeks, and a tax buffer you set. This page does not clone that slider and does not run a 50-state tax engine. Figures wear a USD sign so $5,000 × 0.015 is readable. If the hourly number is still a shrug, set it on how to set a freelance rate before you treat $75 as covering a week of chase.

Worked USD: $5,000 × 0.015 = $75 extra

First preset: invoice $5,000. Share you type 0.015. Extra: 5,000 × 0.015 = $75. Still owed: 5,000 + 75 = $5,075. That $75 is the extra on a bill that sat. That $5,075 is face plus extra. The 0.015 is on the card so the arithmetic is visible. It is a digit you can replace. It is not 1.5% per month. It is not a Prompt Payment Act figure. It is not a mill this page published. It is not “everyone charges 1.5%.”

Second preset: same $5,000, you typed 0. Extra $0. Still owed $5,000. Share 0 means you did not put an extra on the sitting invoice. The face value is still theirs. Zero is a number you typed, not a claim that late invoices never carry an extra.

Third preset: same $5,000, you typed 0.05. Extra: 5,000 × 0.05 = $250. Still owed $5,250. A larger share is a larger extra. This page did not pick 0.05 as a market. You did.

You type the share. This page will not mill 1.5% per month

Blogs love a tidy “1.5% per month” and a Prompt Payment Act citation. This card does not ship that table. No daily interest. No compounding. No 50-state penalty grid. No “typical late fee.” The 0.015 in the worked example is a digit you can clear. Paste the share from the quote you actually have. If you do not have a share in the signed paper, do not treat 0.015 as official. Get the number, then type it. Typing here does not write the term.

Share is a fraction of the face value: 0.015, not 1.5. Typing 1.5 would be 150% and this card will not play that game — the box is capped at 1 so extra cannot swallow the invoice from a percent-vs-fraction mix-up. Extra is always invoice × share. Still owed is always invoice + extra. That is the whole machine.

This card is not the other money cards

This is not the chase. What to send after the due date, days late, a follow-up sentence, and optional hours already billed as a calendar reminder live on late-invoice follow-up. That card is the email. This card is the extra sitting on the invoice. Hours you spent chasing × your floor are not multiplied here. If you need the sentence for AP, leave this card and write the follow-up. If you need the extra dollars named, stay here. Two products. Do not paste a “7 days past due” cadence onto this share.

This is not a sale of the bill. Keep = invoice × (1 − share you type), cost = invoice × share, on the invoice-factor card. Worked there: $5,000 × 0.03 → keep $4,850, cost $150. You type that share too — not a typical factor fee, not a loan. There a buyer of the invoice funds this week and you keep less. Here they still pay you, and the extra is added to a bill that sat. Same shape of share, opposite direction of money. Haircut vs sitting extra. Two different people. Two different products.

This is not a wait. Cash this week from a deposit vs 100% in N days is the Net 30 vs deposit card. 30 is a worked example on that card, not an APR. Nothing is overdue there. Kickoff has not happened. Here the invoice already sat. Waiting or asking for a deposit is the other card. Extra on a past-due face value is this one. If they have not issued the bill yet, do not put a late extra on a calendar that has not started.

This is not a cancel. Hours already worked × floor vs a deposit after they walk is the kill-fee keep / unpaid gap. They did not kill the job. They sat on an invoice for work that already shipped. Keep/gap lives there. Sitting extra lives here.

This is not three gates they still pay on time. Each gate = invoice × a share you type on milestone payments. Worked there: $5,000 × 0.30 / 0.40 / 0.30 = $1,500 / $2,000 / $1,500. Those shares split a live quote. This share is an extra on a bill that already sat. Do not drop 0.015 into a gate box and call it a milestone.

This is not a closet SKU. Marketplace listing fees, Depop processing, Etsy vs Amazon — those mills live under seller-fees. Do not clone a take-rate table onto a sitting freelance invoice. This is also not expense markup (a receipt they asked you to buy × (1 + a share)). An extra on their unpaid bill is not a Getty PDF.

Not 1.5% per month. Not Prompt Payment Act. Not a contract

Some people will annualize $75 on $5,000 and call it a late-fee statute. This page will not. We will not print 1.5% per month. We will not cite the Prompt Payment Act. We will not ship a state-by-state interest table. Educational planning only — not legal advice, not tax advice, not collections. Confirm live terms in whatever agreement you already signed, with counsel where you work, before an extra appears on a real invoice. Typing here does not add a late fee and does not make AP move.

USD labels on this page; currency picker and tax buffer stay on the hub. You enter the invoice and the share. The card prints extra, still owed, and one sentence you can paste so the note matches the screen.

Send the extra before you write a novel

Name the sitting invoice. Name the share you typed. Name the extra. Name still owed. Copy from the card so the numbers match. Then, if they still need a chase sentence with days late, use the follow-up card — do not mash both stories into one paragraph.

• Worked $5,000 × 0.015. Sitting invoice $5,000.00. Share I typed 0.015. Extra on that invoice $75.00. Still owed $5,075.00. This is not 1.5% per month, not a Prompt Payment Act figure, and not a chase email. Please confirm the share in the signed quote before this extra is on the invoice.
• You typed 0. Sitting invoice $5,000.00. Share I typed 0. Extra on that invoice $0.00. Still owed $5,000.00. Share 0 means I did not put an extra on the sitting bill — the face value is still the amount.
• You typed 0.05. Sitting invoice $5,000.00. Share I typed 0.05. Extra on that invoice $250.00. Still owed $5,250.00. A larger share is a larger extra. I typed 0.05; this page did not publish it as a market.

Skip speeches about “everyone charges 1.5% a month.” If you do not have a share from a real quote, do not invent one on this card. If you need the email for AP, use late-invoice follow-up. If you would rather sell the paper than add an extra, use invoice-factor. If nothing is overdue yet and they asked you to wait, use Net 30 vs deposit. If the hourly floor is still a shrug, build it on how to set a freelance rate.

Planning numbers, not a collections desk

Education only — not a lawyer, not a tax desk, not collections, and not a 50-state filing table. No official 1.5%. No Prompt Payment Act mill. No seller-fee clone. Use the share you already wrote down. If you need an enforceable late extra, counsel where you work drafts it before the invoice goes out. Typing here does not mint that paper.

You enter the invoice and the share. The card prints extra = invoice × share, still owed = invoice + extra, and one sentence. USD signs here; tax slice stays on the hub. The chase stays on late-invoice follow-up. The sale stays on invoice-factor. The wait stays on Net 30 vs deposit. The cancel stays on kill-fee.

Rate calculator Late-invoice follow-up — the chase Invoice factor — sell the bill Net 30 vs deposit — the wait Build the hourly number

Rebuild the floor on the hub if billable weeks moved. The invoice sat and you want the extra named — print extra and still owed here. The sentence for AP after the date already passed is late-invoice follow-up. The bill exists and you sell it for cash this week on invoice-factor. They asked you to wait before anything is overdue on Net 30 vs deposit. They cancelled a live job on kill-fee.

FAQ