For freelancers and small businesses that send invoices and then wait. If you keep a list of who owes you what in a spreadsheet or in your head, and payroll, rent or suppliers depend on that money arriving, this tool turns the list into a plan for today. It works on its own: no accounting software, bank or marketplace connection is needed.

Why this and not an aging spreadsheet: besides aging buckets, you get today's collection queue in a fixed, visible order with the reason for every invoice, disputes in a separate queue, the unpaid invoices that would cover your cash gap by a given date, and the present value of waiting, a discount for paying now or instalments at your own cost of money. Six letter templates use known facts only and are never sent for you. One payment, no subscription; no bank, accounting or marketplace connection; your data stays on your device; no AI — every result is an exact decimal calculation with “How it is calculated”, in 8 languages and any currency.

You enter your invoices (or import them from CSV or XLSX), the payments and credit notes you have actually received, any payment promises and disputed amounts, the contacts you have had, the cash you have today, the reserve you want to keep and the bills your business must pay. For one invoice you can also enter the options you are weighing: full payment later, a discount for paying now, or instalments, with your own annual cost of money.

You get each invoice's balance and status worked out from the numbers, days overdue and aging buckets, a collection queue in a fixed, visible order, a separate dispute queue, the day your cash would fall below the reserve and which unpaid invoices would cover that gap, and the present value of each recovery option. Six letter templates are filled with known facts only, ready to copy, print or open as an email draft — nothing is sent for you. No AI — exact, traceable calculations. One-time payment, works on phone and computer, and your data stays on your device.