Estimate your Listra ROI.
Set your numbers and we estimate the return, for Accounts Payable, Accounts Receivable, or both together. Defaults are set conservatively against published benchmarks, and every formula is yours to change.
76% of organizations face payment fraud attempts each year (AFP). One prevented BEC event averages six figures (FBI IC3), more than a full year of platform cost.
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Illustrative model. Each line is conservative within its sourced range. Sources: Ardent Partners (cost per invoice, exception rate), APQC and SAP Concur (duplicate rates), AFP 2025 and FBI IC3 2024 (fraud), industry norms (discount and late-fee rates). Per-unit rates are size independent; absolute totals scale with volume and spend. Directional, not a guarantee.
Cash that moves off your AR balance and into your bank account when DSO drops by 8 days. You collect it once, then keep operating at the lower DSO.
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How this calculator works
Three rules, so you can trust what you see.
- The one-time and the recurring are kept separate. The working capital release is a balance sheet event. You collect it once when DSO drops, then keep it. The annual figures are recurring: carrying cost avoided, labor saved, and write-offs avoided, minus what Listra costs.
- Defaults sit below published benchmarks. Where independent data exists, our default is more conservative than what the data supports. Where it does not, we say so. Two inputs, manual effort per invoice and write-off reduction, are Listra working assumptions that we are replacing with measured customer data as pilots report.
- Listra cost is real pricing, not a placeholder. The subscription line uses our published price card: $5 per active case-month with a $250 monthly minimum, stepping down at volume. What you see is what you would pay.
- DSO improvement: Billtrust survey of 500 finance leaders. 99% of companies using AI-powered AR saw DSO reduction; 75% cut at least 6 days. Our default assumes a 15% improvement, half the low end of vendor-reported ranges.
- Write-off rate: Atradius Payment Practices Barometer, North America 2025. 5% of B2B invoices reported written off as bad debt. Our default is roughly a tenth of that.
- Labor cost: U.S. Bureau of Labor Statistics, May 2024. Median wage for bill and account collectors, $46,040 per year, plus a standard 1.4x load for benefits and overhead.
- Cost of capital: Federal Reserve H.15. Prime rate 6.75% as of June 2026; SMB credit lines typically price 1.5 to 3 points above prime.
Illustrative model. Labor scales with overdue invoice count; carrying cost, write-offs avoided, and the working capital release scale with revenue and DSO. The one-time release is a balance sheet event, collected once. Directional, not a guarantee. Accounts Receivable is in Beta.
AP and AR run on the same resolution loop. This is the recurring annual benefit from both, using the assumptions on each tab. The one-time AR working capital release is shown on the AR tab and counted separately.
Combined recurring benefit of the Accounts Payable and Accounts Receivable models, using the assumptions set on each tab. Illustrative and directional, not a guarantee.
Run it on your real invoices.
The calculator estimates. A pilot measures. In a 30-minute working session we run your actual invoices, exception types, and policy against the platform, and show the resolution path and the evidence pack live.
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