01Delivered
You completed the work
Goods or service delivered. Invoice raised. Your side is done.
Free GST invoice recovery calculator
You Paid the GST. They Still Haven't Paid You.
If you raised a GST invoice and the payment is stuck, you're not just waiting. You're losing money every single day. Find out exactly how much, in 30 seconds.
Built for Indian proprietors, MSMEs, freelancers, traders and contractors.
Most unpaid GST invoices follow this exact pattern
Does This Sound Like You?
02GST Paid
GST went from your pocket
You paid tax before the buyer cleared even the invoice value.
03Delay Starts
Calls get ignored
Follow-ups become excuses, silence, or another promised date.
04Cash Flow Hit
Your business carries the burden
Working capital gets stuck while you worry about damaging the client relationship.
What feels like a delay is actually a growing legal claim.The calculator below shows the number your buyer may owe today.
Outstanding Payment & Interest Calculator
Enter four details. The result updates live and estimates your GST-inclusive invoice value, overdue days and MSMED Act interest.
By law, payment terms beyond 45 days are not enforceable for MSMEs.
Amount your buyer owes you, including GST₹1,18,000
Due date29 Apr 2026
Days overdue45
Interest legally accumulating under MSMED Act, Section 16 - 3x RBI bank rate, compounded monthly₹2,846
GST you already paid to the government from your pocket₹18,000
Total amount you can legally claim today₹1,20,846
This interest is your legal right under the MSMED Act. Your buyer cannot waive it, even if your contract is silent on it.
This calculator provides an estimate based on the MSMED Act, 2006 and applies to Udyam-registered Micro and Small Enterprises. It is not legal or tax advice.
What You Can Actually Do
You do not need to jump straight into a fight. Start with the least aggressive step that creates proof, pressure and a clear paper trail.
01First move
Send a Demand Notice
A formal notice puts the invoice amount, GST paid and interest due in writing.
Use this when calls and WhatsApp reminders are going nowhere.02If Udyam registered
Use MSME Samadhaan
Eligible Micro and Small businesses can file a delayed payment claim through the portal.
Best when the buyer keeps delaying even after formal follow-up.03GST pressure point
Use 180-Day ITC Leverage
If they have not paid within 180 days, input tax credit reversal can become a real pressure point.
A useful compliance angle to mention carefully in recovery communication.