Set your numbers and every line recalculates, for accounts payable, accounts receivable, or both together. Defaults are set conservatively against published benchmarks, and every assumption is yours to change.
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Annual AP spend
$24.0M
Annual bills
12,000
Total quantifiable benefit
$273K / year
~$273K
illustrative annual benefit
~12xfirst-year ROI
Under 1 monthpayback period
Fraud is excluded from the total above.
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 Listra.
Adjust assumptions ▼
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Defaults are conservative within each sourced range. Labor scales with bill count; every other line scales with AP spend.
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.
Your AR today
$
days
%
One-time working capital release
$0
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.
New DSO with Listra44 days
Each day of DSO$0
Where the annual value comes from
Listra subscription (estimated)
-$3K
Net annual benefit
$0 / year
$0Net annual benefitRecurring value after Listra cost
0xReturn on Listra costAnnual benefit vs annual subscription
Under 1 monthPaybackHow quickly the annual benefit covers Listra's cost
Adjust assumptions ▼
days
min/mo
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Defaults sit below published benchmarks. Listra cuts manual effort to about 5 minutes of review per invoice. Manual effort and write-off reduction are Listra working assumptions, replaced with measured pilot data as it reports.
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.
The subscription line is an estimate, and the net figures use it. It scales with your overdue-invoice volume so the net benefit and return you see already account for what Listra would cost. Exact pricing is scoped in the demo, against your actual volume.
Sources
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.
Combined recurring benefit
$0 / year
~$0
illustrative annual benefit, AP + AR
~$0Accounts Payable
~$0Accounts Receivable
One agent approach, both sides.
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.
See it on your numbers
Run it on your real invoices.
The calculator estimates. A demo measures. In thirty minutes we run your actual invoices, exception types, and rules, and show the resolution path and the evidence live.