Free Debt Recovery Tools Built for UK Businesses
Calculate, plan and recover unpaid invoices with powerful tools — completely free.
Free Recovery Toolkit
Eight powerful tools to help you calculate, plan and recover unpaid invoices
Late Payment Interest Calculator UK
Calculate statutory interest and fixed compensation owed on overdue UK invoices.
Settlement ROI Calculator
Compare settling a debt now vs waiting for full payment — see which option delivers better net value.
Letter Before Action Generator UK
Generate a compliant, professional pre-legal demand letter for unpaid invoices.
Debtor Payment Probability Tool
Estimate how likely a debtor is to pay and get a recommended recovery action.
Recovery Strategy Generator
Get a step-by-step recovery plan based on debtor behaviour and invoice age.
DSO & Cashflow Score Calculator
Measure how quickly you get paid and benchmark against your industry.
Cost of Debt Calculator
See the true financial cost of unpaid invoices and delayed payments.
Payment Plan Builder
Create structured repayment plans with schedules, deposits and affordability insights.
What Each Tool Does
Deep-dive into each tool and how it supports your recovery process
Late Payment Interest Calculator UK
Under UK legislation, businesses can claim statutory interest on overdue B2B commercial debts — typically 8% plus the Bank of England base rate. This calculator shows exactly how much you're entitled to claim, including fixed compensation amounts. Essential for businesses, accountants, and credit controllers managing overdue invoices.
Use This ToolSettlement ROI Calculator
Waiting for full payment isn't always the smartest financial decision. This tool compares the net value of settling a debt now at a discount versus waiting months for 100% — factoring in the time value of money, risk of non-payment, and opportunity cost. Ideal for finance teams evaluating recovery options.
Use This ToolLetter Before Action Generator UK
A Letter Before Action (LBA) is a formal pre-legal demand that signals serious intent to recover an unpaid debt. This generator creates a professional, UK-compliant demand letter with multiple invoice support, statutory interest calculations, and customisable tone — far more effective than copying a generic template.
Use This ToolDebtor Payment Probability Tool
Not all debtors are equal. This assessment analyses debtor behaviour, engagement signals, and commercial context to estimate recovery likelihood and recommend the best next action — whether that's continued chasing, offering a payment plan, proposing a settlement, or escalating legally.
Use This ToolRecovery Strategy Generator
Most businesses chase invoices without a structured plan. This tool generates a staged recovery strategy based on the real AutoSettle recovery engine — mapping each debt through analyse, chase, recover, and escalate stages with timing, tone, and controller recommendations.
Use This ToolDSO & Cashflow Score Calculator
Days Sales Outstanding (DSO) is the key metric for receivables performance. This tool calculates your DSO, benchmarks it against your industry, and translates the gap into real cashflow impact — showing exactly how much cash is tied up in delayed payments and how to unlock it.
Use This ToolCost of Debt Calculator
Unpaid invoices don't just sit there — they cost you money every day through lost profit opportunity, capital erosion, inflation, and increasing recovery risk. This calculator exposes the true financial impact and includes what-if scenarios to compare recovery options.
Use This ToolPayment Plan Builder
Payment plans are one of the most effective ways to recover debt while preserving commercial relationships. This builder creates structured repayment schedules with deposit options, interest calculations, affordability insights, and risk assessment — everything you need to propose a credible plan.
Use This ToolTurn Insights Into Action with AutoSettle
These tools show you what to do. AutoSettle executes it automatically.
Why We Built These Tools
Most businesses struggle with unpaid invoices but lack the clarity and structure to recover effectively. Generic templates and manual chasing waste time and leave money on the table.
We built these tools to give every business — from freelancers to finance teams — free access to the same frameworks and calculations that power the AutoSettle platform. When you're ready to automate the entire process, AutoSettle is here.
Who Uses These Tools
Small Businesses
Chase invoices without hiring a credit controller
Finance Teams
Improve cashflow metrics and recovery efficiency
Accountants
Support clients with structured recovery guidance
Agencies & Contractors
Recover project fees and milestone payments
Free Tools for Recovering Unpaid Invoices
Recovering unpaid invoices requires more than reminders — it requires structure, visibility, and the right strategy for each debtor. AutoSettle's free toolkit gives businesses the calculations, assessments, and documents they need to make informed recovery decisions without spending a penny.
From calculating statutory interest to generating formal demand letters and building payment plans, each tool addresses a specific stage of the recovery process. Used together, they provide a complete framework for managing overdue accounts effectively.
How to Recover Debt Faster
Effective debt recovery follows a proven structure: analyse the risk and prioritise accounts, chase with consistent and escalating reminders, recover through payment plans and settlement offers, and escalate with formal pre-legal pressure when needed.
AutoSettle's Recovery Engine automates this entire lifecycle using AI credit controllers that adapt tone, timing, and strategy to each debtor. The free tools on this page mirror the same logic — giving you the insights to act, whether manually or through the platform.
Frequently Asked Questions
Use the Tools. Then Let AutoSettle Do the Work.
These tools give you the insights. AutoSettle executes the entire recovery process automatically.