Free Tool
Tuition Financial Drag Calculator
Late tuition costs more than the late tuition. This calculator shows what payment timing, volatility, and defaults cost your school every month — and how much of that a guaranteed tuition payment subscription would give back, after the subscription is paid for.
Your results appear here
Adjust the inputs on the left for your school, then run the calculation. You'll see your forecasted monthly cash-flow improvement, the annual drag behind it, and a day-by-day view of where your cash actually sits.
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Your forecasted result
$0
Where your cash actually is, day by day
Month cash-flow table
| Point in the month | Today | With guarantee | Difference |
|---|
Annual drag breakdown
| Category | Annual drag | % of total |
|---|
Want these numbers pressure-tested against your actual data?
Bring one month of tuition receipts to a workflow review and we'll walk the curve with you.
Book a Workflow ReviewWhat It Models
Four ways tuition timing quietly costs you money.
Deposit delay
The float lost between a family paying and the funds actually landing in your account.
Late-cycle timing
The cost of the shortfall that survives your due-date run, measured from your real due date through the re-run and beyond.
Volatility hedge
The conservative reserve you carry because you can't predict when tuition will arrive.
Defaults
Tuition permanently uncollected. Raw dollars only — no collection agency fee, because K-12 tuition rarely goes to an agency.
FAQ
Common questions.
Why does my billing system matter?
Your due date sets the shape of every month's cash-flow curve. In-house billing usually lands on the 15th and FACTS on the 20th — five days of payroll and operations funded from reserves.
Does this include collection agency costs?
No. K-12 tuition defaults rarely go to an agency, so the model counts only the raw tuition written off.
Do I need exact numbers?
No. Reasonable estimates are enough to see where the exposure is concentrated and whether the timing cost is material.
Where do my inputs go?
Nowhere. The calculation runs entirely in your browser — only the email you used to unlock the tool reaches us.
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