Payment Plan Calculator
Break a large invoice into an upfront deposit and easy installments. Enter the total to see the deposit, the remaining balance, and the amount due per payment.
Build your payment plan
Per installment = (total amount minus deposit) divided by the number of installments.
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How it works
Turn one big number into a schedule that is easy for clients to say yes to.
Enter the total amount
Add the full price of the project or invoice you want to split. This is the amount the payment plan will cover from start to finish.
Set the deposit and installments
Choose the upfront deposit percentage and how many installments will follow. The calculator subtracts the deposit and divides the rest evenly.
Share the schedule
You instantly see the deposit, the remaining balance, and the amount due per installment, so you can offer clear terms with no guesswork.
Frequently Asked Questions
Common questions about offering payment plans to your clients.
A payment plan splits a total into an upfront deposit and a set number of equal installments. The client pays the deposit to begin, then pays the remaining balance in scheduled payments. It makes larger purchases easier to commit to while keeping your income predictable.
A deposit of 25 to 50 percent is common and helps cover your early costs and protect against cancellations. For larger or higher-risk projects, lean toward the higher end. The deposit should comfortably cover the work and materials needed to get started.
Most small businesses offer simple interest-free installments to keep the offer attractive. If a plan stretches over many months, you may add a small fee or interest to offset the delay. Always state any charges clearly in your terms before the client agrees.
Requiring an upfront deposit gives you cash before the work begins, and scheduled installments bring in steady, predictable income. This avoids waiting for one large payment at the end and lowers the risk of being left unpaid.
Send payment plans clients actually pay
On Professional and above, Invoice My Clients splits an invoice into a down payment and scheduled installments your client accepts online, with reminders for the late payment only.
Now make the invoice, free and with no signup.
A professional PDF in about a minute. No account, no invoice limit.