Calculate a customer security deposit
Enter the bill and payment timings to see what a customer can owe and the security deposit.
Security deposit
A customer who stops paying can owe €6,500 over 65 days of usage before service stops, so the deposit above the €2,000 you carry is €4,500.
What the customer owes
The dashed line shows what you carry, and the gap above it is the security deposit.
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Set a credit limit and payment terms for each customer, then use rules to calculate its deposit from customer data and payment history the same way each time. Start free
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Daily usage = Monthly bill ÷ 30 Days of usage = Billing period + Days to pay + Days after due date Most the customer can owe = Daily usage × Days of usage Security deposit = Most the customer can owe − Carried without security Months of billing = Security deposit ÷ Monthly bill
The customer stops paying just after a payment and uses the service at the same pace, with no late fees.
Security deposit calculation
A security deposit calculator estimates the most a customer billed after use can owe before service stops. It subtracts the amount the company carries without security from that total, with a minimum deposit of zero.
The result shows the amount above what the company carries, as a security deposit and in months of billing. Use it to review the figures for a customer account.
Common questions
How do I calculate a security deposit for a customer?
The deposit is the most the customer can owe before service stops, less the amount the company carries without security, with a minimum of zero. This calculator works it out from the bill and timing details.
How much can a customer owe before service stops?
The most a customer can owe depends on daily usage and the days from the start of the billing period until service stops. The calculator uses the billing period, days to pay after the invoice and days after the due date before service stops.
What goes into a customer deposit for a new account?
The calculation uses the monthly bill, billing period, days to pay after the invoice and days from the due date until service stops. It subtracts what the company carries without security.
How do I calculate credit exposure for a customer billed in arrears?
Multiply daily usage by the days of usage at risk to find the most the customer can owe before service stops. Daily usage is the monthly bill divided by the number of days in the calculation.
What deposit or guarantee covers a new business account?
The calculator works out the deposit from the most the customer can owe before service stops and the amount the company carries without security. The deposit covers the amount above what the company carries, with a minimum of zero.