Payment reminder
The letter, and what the invoice has actually grown to.
Pro keeps the settings you use every week and puts them one click away. See Pro
Preview
Your files stay on your device
This tool runs entirely in your browser. Nothing is uploaded, nothing is stored, and you can even turn off your internet connection before you start.
How it works
- Put the invoice number, its date and the date payment was due.
- Enter the amount, and anything already paid against it.
- Say whether the debtor is a business or a private individual — that changes the interest rate and whether a flat fee is allowed.
- Check the figures, then download, print and send it so that arrival can be proved.
Frequently asked questions
- What does this add over a template?
- The arithmetic, which is the part nobody does. A template leaves a blank for the total; this counts the days overdue, applies the daily interest, adds the flat fee where one is allowed, and prints the sum with the workings shown underneath. A letter with the wrong figure on it is worse than no letter, because it has to be sent again.
- How is the interest calculated?
- Actual days over a 365-day year, on the amount still outstanding after anything already paid. In Germany the statutory rate under § 288 BGB is the base rate plus nine percentage points between businesses and plus five against a private individual; the same structure exists across the EU with different numbers, which is why the rate is an input you can override.
- The base rate in the box — is it current?
- It was on the date printed beside the figure in the letter, and that date is printed precisely so you can see when it is stale. Germany's base rate is reset by the Bundesbank every six months, and this page has no network to go and check. If the date looks old, look up the current rate and type it in.
- What is the flat fee?
- A fixed amount a business creditor may add to a late business debt without proving any cost — €40 in Germany and across much of the EU. It is not available against a private individual, so the page switches it off when you say the debtor is one.
- Is this a formal legal demand?
- No. It is a letter. In Germany a Mahnbescheid is a court process and a different thing entirely; in France a mise en demeure has formal requirements. This is the step before those, which is also the step that usually works. For a debt worth going to court over, take advice.
- Is it free?
- Yes. The free plan adds a small line at the foot of the sheet; Pro leaves it off.