Tool

Retainage Calculator

Retainage is money you’ve already earned that sits out of reach until the contract closes out. Enter a contract amount and retainage rate below to see what’s actually payable now, and what the hold means for your cash flow if you know the timeline.

1. Contract & Retainage

The full contract or invoice amount, and the rate being withheld.

Contract or invoice amount

Retainage rate

Retainage rates vary by contract and jurisdiction, and some states cap them by statute. There’s no reasonable default to offer here. Check your actual contract terms before you rely on this number.

2. Timeline (Optional)

How long until retainage is released, if you know it. Leave blank to see just the dollar breakdown.

Months until retainage release

What’s Actually Available Now

Enter a contract amount and retainage rate above to see the result.