What it does
Sometimes the payout amount is fine but the timing is the problem. This tool shows how much arrives on the first release, how much stays held, and whether the delay creates a cash-flow gap you should plan for.
Payment Fees
Payout Timing Calculator
Find out how reserve holds and settlement delays affect the cash that actually hits your account — and the gap before the rest shows up.
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
Cash shortfall during hold$1,620.00
How the math works
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.
Try it with real numbers
- A $2,400 payout with a 10% reserve can leave a real cash gap if the first release is quick but the reserve takes three more weeks to arrive.
- Helps you translate reserve holds and settlement delay into actual usable cash and runway — instead of treating timing as an afterthought.
Good to know
- Many platforms use rolling reserves or staggered release schedules — this tool simplifies timing into one first release and one reserve release.
- The funding gap output is a planning estimate based on your stated daily cash need, not a full cash-flow model.
- Most useful when payout timing affects inventory, ad spend, or contractor payments more than the headline fee alone.