Payment Reminder & Late-Fee Generator

How it works

Builds a ready-to-copy overdue invoice email and text at five levels of firmness, and works out the late fee and total due from your dates and fee rule.

1. Days overdue = Today / reminder date minus Due date, in whole days. A negative number means not due yet. Zero means due today.
2. Late fee: none, a flat amount, % of invoice (amount × rate, charged once), or monthly interest (amount × rate × days overdue ÷ 30). No fee applies until the invoice is past due.
3. Total due now = Amount due + late fee. Suggested tone by days overdue: before due is a heads-up, 0 is due today, 1 to 14 gentle, 15 to 30 firm, over 30 final notice.
4. Pick any of the five tones. The email and text fill in your names, invoice number, amounts, dates and the optional How to pay line. Only the firm and final messages name the fee.
5. Messages are built in your browser, and the page code sends nothing. Copy buttons put them on your clipboard. Text length shows in characters and SMS segments (160 per segment, or 70 with emoji). These are drafts, not legal advice.

Questions

Can I add a late fee to any invoice?

Only if your invoice or contract said you would. The % of invoice option charges once. Monthly interest prorates by days overdue. Check your state's limits.

Which tone should I send?

The Suggested tone box picks one from days overdue, but you can click any tone. The tone does not change on its own if you edit the dates later, so click it again to match.

Is the final notice safe to send as written?

It asks for payment within 7 days and mentions suspension of service and referral to collections. Only send it if you would really do those things. It is a starting draft, not legal advice.