For informational purposes only. Estimates are based on the data you provide and selected ruleset. LatePayCheck is not a law firm, does not provide legal advice, and does not collect debts on your behalf.

LatePayCheck — Estimate late payment interest. Copy a clear reminder. Stay professional.

See what a late B2B invoice may be costing — and send a better reminder.

LatePayCheck helps freelancers, consultants, micro-businesses and small suppliers estimate possible statutory interest and fixed compensation on overdue B2B invoices, then generate ready-to-copy reminder text. Built for practical use, not legal advice.

Calculate late payment estimate View reminder templates
  • Quick estimate, no spreadsheet
  • Clear reminder text
  • Practical, cautious by design

Choose a ruleset that matches your situation

UK statutory mode is the most actionable. EU generic mode is a cautious informational estimate only.

UK statutory mode

Uses 8% plus current Bank of England base rate, with fixed debt recovery cost bands where applicable.

EU generic mode

Uses a generic informational estimate with a EUR 40 flat compensation baseline. Real statutory rates vary by country and period.

Late payment calculator

If no fixed term is selected, LatePayCheck uses a simplified 30-day assumption from the later of invoice date or delivery/service completion date where provided.

Estimate summary

Enter the invoice details to see an estimate.

Reminder templates

These templates stay careful by design. They do not claim certainty or make legal assertions on your behalf.

Soft reminder

Formal reminder

Legal clarity

  • No legal advice
  • No contract review
  • No debt collection service
  • Entitlement can depend on contract terms, jurisdiction, VAT treatment, sector-specific rules, court interpretation, and whether the claim is contested

FAQ

Who is this for?

Freelancers, consultants, micro-businesses and small suppliers dealing with overdue B2B invoices.

Is this legal advice?

No. LatePayCheck is informational only and not a substitute for professional legal advice.

Is the result exact?

No. The result is an estimate based on your inputs and the selected ruleset.

Can I use this for consumer invoices?

No. This tool is designed for B2B invoices only, not consumer debts.

Does LatePayCheck send reminders automatically?

No. It only generates copyable reminder text.

What about cross-border or disputed invoices?

Cross-border, sector-specific or disputed invoices should be verified carefully before relying on any estimate or template.