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What is your AR process actually costing you?

Upload an invoice export or enter your numbers manually. We'll show you what you're spending today — and what changes with JMJbillings managing your AR.

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Drop your invoice CSV export here

QuickBooks, Xero, or any AR aging report export

CSV / XLSX · We detect: invoice count, average amount, days outstanding
Your business — adjust any assumption
Invoice volume
Monthly invoices sent to customers
Core input
$
Leave at 0 to derive from invoices per month × average value. Fill in to use your own top-line number for the working capital calculation.
$
Bad debt you wrote off last year — invoices you gave up chasing. Industry average is ~2% of revenue. Auto-fills from your annual revenue; type a value to override.
$
Market average DSO in construction: 48–65 days. Net 30 terms are standard.
AR labor cost
Staff time spent managing receivables
Labor
$
$
Industry average: 1 FTE per ~300 invoices/month. Owner time is often untracked but real.
Write-offs & bad debt
Invoices never recovered
Revenue loss
US B2B average write-off rate: 2.5%–4% of AR. Construction typically runs 2.8%–3.5% due to subcontractor disputes and project closeout delays. JMJbillings AI documentation and audit trail reduces this by an estimated 55–65% by creating defensible evidence chains before escalation.
Collections escalation
Invoices sent to 3rd-party collections
Collections
Industry: 4–6% of B2B invoices reach collections. Agencies recover ~55% at 25–35% fee. JMJbillings audit log provides documented communication trail that increases agency recovery rate by an estimated 20–30% and reduces escalation rate by ~40%.
Cash flow cost of waiting
Cost of capital tied up in unpaid AR
Float
Average small business line of credit rate: 7–12%. Every day of DSO improvement frees capital. JMJbillings targets a 30–40% DSO reduction based on pilot data.
Dispute & admin overhead
Time spent on disputes, follow-ups, reconciliation
Overhead
Construction disputes average 5–8% of invoices. JMJbillings tone progression and audit trail reduces disputes by an estimated 35% and resolution time by 50% through complete communication records.

Expected DSO improvement

JMJbillings clients typically see 25–40% DSO improvement in the first 6 months. Adjust to model your own assumption — range 10–60%.
Your AR cost breakdown
Current monthly AR cost
—
Total estimated cost today
Estimated cost with JMJbillings
—
Including $299/mo subscription
Monthly savings
—
Annual: —
ROI on JMJbillings
—
Payback period: —
Cost category Current state With JMJbillings Monthly savings
Cost breakdown — current vs. JMJbillings
Return on investment
—
month payback period
Write-Off Recovery
Write-offs prevented
$0
Caught by automated cadence before write-off ⓘ
Recovered via collections
$0
Recovered through audit-package-equipped collections handoff ⓘ
Total write-off recovery
$0
Estimated annual recovery from bad debt ⓘ
Estimates based on industry research from Anytime Collect, Resolve, and Tratta. Individual results depend on customer base, invoice characteristics, and existing collection discipline. Conservative assumptions used throughout.

Ready to recover what's yours?

JMJbillings manages your entire AR process — reminders, follow-ups, disputes, and escalation — for $299/month or $2,500/year. No per-invoice fees. No hidden costs.

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* All estimates use published US B2B market averages. JMJbillings performance assumptions are conservative estimates based on industry benchmarks and pilot client data. Actual results vary by business, industry, and invoice mix. This calculator is for informational purposes only and does not constitute a financial guarantee.  |  portal.jmjbillings.com/calculator