When do your invoices actually get paid?
Track what you send, what comes in, and what's still waiting — so you can spot your real payment cycles.
Updated 26 June 2026
Over the past 8 weeks, invoices sent on Mondays averaged a payment velocity of 7/10, whilst those sent later in the week scored 4/10 — a pattern worth exploring…
Most people know their outstanding balance, but not the rhythm behind it. This tracker helps you see whether sending invoices at certain times, taking particular actions, or hitting certain overdue thresholds changes how quickly you actually get paid. It's not about replacing your invoicing system — it's about understanding the patterns your invoicing system doesn't surface.
6 fields. Done in 2 minutes per week.
Fast enough to fit into any routine, specific enough to generate real patterns after 30 days.
Log, build, learn.
Log your invoice snapshot
Once a week (or after a batch goes out), record how many you sent, how many got paid, what's overdue, and how the cash flow feels right now.
Build a picture over time
After a few weeks, you'll have a dataset showing how your invoicing rhythm moves — busy periods, quiet patches, and how overdue totals shift.
Get your first AI insight
The AI looks for correlations you might miss: does payment speed drop when overdue count climbs, or do certain collection actions actually shift the numbers?
Why people stick with it.
4 things Invoices sent / paid / overdue reveals about you.
- Which days or weeks see the fastest payment turnaround
- How your overdue count changes relative to what you send out
- Whether your collection actions have any visible effect on payment speed
- What your typical cash flow cycle actually looks like over time
Here's what arrives at 30 days.
Illustrative — your analysis uses your own data.
The AI might notice that your payment velocity drops whenever your overdue count goes above a certain number, or that weeks when you log collection actions tend to see faster subsequent payments. It could reveal that invoices sent early in the month get paid more reliably than those sent near the end, or that your cash flow health score correlates more strongly with overdue count than with total outstanding amount — patterns that only become visible once you've logged several cycles.
“Over the past 8 weeks, invoices sent on Mondays averaged a payment velocity of 7/10, whilst those sent later in the week…”
People watching their own patterns.
This tracker is for freelancers, contractors, and small business owners who want to understand their invoice patterns without waiting until month-end to see the full picture.
Common questions
Do I need to log every single invoice individually?
No — you log totals for the period. For example, 'this week I sent 5, got paid on 3, and have 4 overdue'. It's a snapshot, not an itemised ledger.
What if I don't invoice regularly?
That's fine. You can log whenever you do send invoices, or set a weekly check-in to record what's changed. The AI looks for patterns in whatever rhythm you actually work to.
Will this tell me which clients are slow payers?
Not directly — this tracker focuses on overall patterns (time of month, your collection actions, total outstanding). It won't break down individual client behaviour, but it will show you trends in your invoicing cycle.
What counts as a 'collection action'?
Anything you do to chase payment: sending a reminder, making a phone call, adjusting terms, or escalating. The field lets you record what you tried, so you can see later if it made a difference.
How does AI analysis work with financial numbers?
The AI looks at relationships between what you log — for instance, whether weeks with more overdue invoices also see lower cash flow health scores, or if certain collection actions correlate with faster payment velocity.
Is this a replacement for accounting software?
No. This is for pattern-spotting, not bookkeeping. Your accounting software tracks the money; this tracker helps you notice trends in how and when that money moves.
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Your invoices sent / paid / overdue patterns
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