WorkSiteCam · Free Tool

Deposit Math Calculator

What it costs to float a job when you don't ask for a deposit.

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Your Name

Email Address

Company Name (Optional)

No spam. Foreman-to-foreman tips only.

Job size ($)

Total job revenue.

Materials % of job

Materials as % of total revenue.

Labor % of job

Labor as % of total revenue.

Days from start to customer-pays-full

Float window. Be honest — invoices delay too.

Line of credit APR (%)

Your business LOC interest rate.

Deposit % you'd ask for

Industry norm is 25-50%.

No-Deposit Margin Cost

extra margin lost per job when you don't ask

Job size-

Front-loaded costs-

Float cost — no deposit-

Float cost — with deposit-

Margin gap per job-

A held deposit is a proof problem. Dated, geotagged progress photos turn "it is not finished" into a paid invoice — WorkSiteCam captures that proof on every visit.

Float model: materials + half-labor floated for days_to_payment at LOC APR. Deposit scenario reduces float principal by deposit amount. Real-world cost includes additional credit-line drag not captured here.