Invoicing & cash flow
Getting paid: invoices, deposits, late fees, kill fees and the cut processors and platforms take.
11Tools in this section
- 001 Invoice late fee calculator Interest on overdue invoices, computed defensibly.
- 002 Deposit & milestones calculator Split a project into deposit and payments.
- 003 Kill fee calculator Bill a cancelled project fairly, and get paid.
- 004 Payment processor fees Stripe vs PayPal vs Square on your invoices.
- 005 Platform fee calculator What Upwork and Fiverr keep from your earnings.
- 006 Timesheet invoice calculator Hours and minutes into a billable total.
- 007 Net terms & early payment What waiting costs and what discounts are worth.
- 008 International transfer fee calculator What a cross-border payment really costs once the exchange-rate markup is counted.
- 009 Invoice aging tracker Who owes you what, how overdue it is, and what the delay is costing.
- 010 US freelance invoice template A US invoice you fill in and print, with what to put on it and why there is no official format.
- 011 EU VAT invoice template The article 226 particulars, including the reverse charge wording a cross-border invoice needs.
08Guides in this section
- Invoice mistakes that delay freelance payment Five checks before sending an invoice: scope, totals, due date, approval contact, and payment details. Includes a $2,000 worked example.
- Net 30 for freelancers: the cash-flow cost A $5,000 invoice on net 30 costs $73.97 at an 18% annual funding rate. See when a deposit or shorter term matters more than a discount.
- Deposits that protect you (and the clients who balk at them) Why the deposit is a filter before it is cash flow, what percent to ask for, and how to structure milestones so neither side finances the other.
- Platform fees in 2026: what the numbers actually say We verified the published cuts of Upwork, Fiverr, Stripe, PayPal, and Square in September 2026. The spread is wider than most freelancers think, and it compounds.
- The Spanish freelance invoice: withholding and VAT Anatomy of a Spanish professional invoice: the base, VAT (or IGIC), the 15% or 7% withholding, and why the invoice total is not what you collect.
- Verifactu: the real dates and what to do Spain's invoicing-software mandate after the second delay: January and July 2027, what it requires, and where invoice generators stand.
- Invoice like a professional (and get paid faster) What belongs on a freelance invoice, the terms that change payment behavior, and the follow-up cadence that works without burning bridges.
- Late fees that actually get invoices paid Why the late fee's job is behavior, not revenue: the standard rates, the clause that makes it enforceable, and the escalation that works.