Live calculator
Commercial Payments Bill Impact Calculator
Model the potential effect of a 60-day payment cap and statutory late-payment interest calculated at 8% above the entered Bank of England base rate. Note, the Commercial Payments Bill was announced in May 2026 and as of August 2026, it’s currently being discussed in the UK Parliament and a final decision should be announced by Nov 2026.
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1
Enter your figures
The estimate changes automatically as you type.
£
Enter the annual value of invoices paid on credit terms.
days
The calculator applies a proposed maximum payment term of 60 days.
days
Enter the average delay beyond the contractual due date.
%
Statutory interest is calculated as the entered base rate plus 8%.
2
Estimated impact
Your live calculation appears below.
Working capital unlocked
£0.00
Estimated cash-flow improvement from reducing payment terms to 60 days.
Mandatory interest claimable
£0.00
Estimated statutory late-payment interest.
Total potential financial advantage
£0.00
Calculation breakdown
Days reduced to reach 60 days
0 days
Modelled statutory interest rate
12.50%