What this calculator does
Use this calculator when the payout amount is not the only problem. It helps you estimate how much arrives on the first release, how much stays tied up, and whether the delay creates a working-capital gap.
Payment Fees
Payout Timing Calculator
Estimate how reserve holds and payout delays affect the cash that arrives first and the gap before the rest is released.
First payout amount$2,160.00
Reserve held back$240.00
Days to first payout4 days
Days to full release25 days
Runway from first payout12 days
Cash needed during hold$3,780.00
Funding gap before release$1,620.00
Formula used
Reserve amount = gross payout x reserve rate. First payout = gross payout - reserve amount. Days to first payout = settlement days + bank transfer days. Days to full release = settlement days + reserve release days + bank transfer days. Runway from first payout = first payout / daily cash need.
Worked examples
- A $2,400 payout with a 10% reserve can leave a noticeable cash gap if the first release is quick but the reserve takes three more weeks to arrive.
- This tool helps you translate reserve holds and settlement delay into usable cash and runway instead of treating timing as a minor detail.
Notes
- Many platforms use rolling reserves or staggered release schedules, so this tool simplifies payout timing into one first release and one reserve release.
- The funding gap output is only a planning estimate based on your stated daily cash need, not a full cash-flow model.
- Use this tool when payout timing affects inventory, ad spend, or contractor payments more than the headline fee alone.