Free calculators

Run the numbers before you sign.

Subcontract risk, mortgage, auto loan, business loan, pricing margin and the cost of waiting to get paid — all in one place, no signup.

Start from:

Your subcontract

Subcontract value

Your expected profit margin

Used to show how much of your profit these clauses could wipe out.

Project duration

Switch off any clause your subcontract doesn't have.

Retainage

Retainage withheld

Held until release — sometimes with no release date at all.

Pay-if-paid

Months billed before the owner pays the GC

If the owner doesn't pay the GC, the GC may not have to pay you.

Change orders at locked prices

Scope grows by

Material prices rise by

Materials as share of your cost

"Additional work at same unit prices" = no repricing on the extra scope.

Delay damages

Damages per day late

Days you end up late

Back-charges

Deducted from your payments

Costs the GC can charge back to you for cleanup, coordination, rework.

Money at risk on this subcontract

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Retainage helddelayed cash, not necessarily lost

Pay-if-paid exposure

Locked-price change-order loss

Delay damages

Back-chargesdeducted from what you're owed

Cash flow: what you bill vs. what actually reaches you

Hover or touch the chart for month-by-month numbers.

BilledReceivedStuck (retainage + pay-if-paid lag)

Cash at risk vs. your expected profit

Check my real subcontract →

VIDI sources each clause to the exact section.

Illustrative estimate from the assumptions you enter — not a prediction and not legal advice. Preset values are only typical starting points; adjust them. Actual exposure depends on your subcontract's exact wording and state law. Have a licensed attorney confirm before signing anything high-value.