Contractor Retainage Calculator – Contractor Paperwork

Retainage changes the cash flow of every progress invoice. Use this planning calculator to estimate retainage, net payable amount, and payment due dates, then attach the result to the payment packet.

Retainage rules and release timing vary by state, contract, project type, and payment tier. Treat this as an estimating tool, not legal advice.

Holdback calculator

Estimate the holdback and invoice clock.

Use this as a planning calculator only. Construction payment, lien, holdback, and notice rules depend on jurisdiction, contract terms, project type, and timing.

Contract or invoice amount Holdback percent Proper invoice date Owner payment period

Holdback$10,000.00

Net payable before holdback release$90,000.00

Estimated payment dueChoose invoice date

Ontario non-payment notice checkpointChoose invoice date