Retainage Impact Calculator
Retainage quietly holds back a slice of every invoice until the job closes out. The dollar figure looks small next to the contract — until you compare it to your profit. Run the numbers before you sign.
This calculator is an educational tool. Results are estimates from the numbers you enter — your real costs and obligations vary.
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FAQ
Because 10% held on a job you're earning 8% on means your entire profit — plus some of your costs — sits in someone else's account until closeout. Seen against the contract it looks minor; seen against profit it's the whole reason the job strains your cash.
Often, yes — reductions after 50% completion, retainage only on labor, or release by phase are all common asks. Know your state's prompt-payment and retainage rules, and price jobs with heavy retainage to carry the wait.