Finance Tools
Refund Delay Cost Calculator
Estimate how much value you lose when a refund is delayed using an annual interest or opportunity rate.
Use a savings APY, credit card APR, or your expected return.
Estimated value lost due to delayed access to your money.
Estimated loss: $9.86
Per-day loss: $0.33 / day
This uses a simple interest approximation: amount × rate × (days / 365).
How to use this refund delay cost calculator
- Enter the refund amount.
- Enter how many days the refund is delayed.
- Enter an annual interest or opportunity rate.
- View the estimated value lost due to the delay.
Example
A $2,000 refund delayed by 30 days at a 6% annual opportunity rate.
- Refund amount: $2,000
- Delay: 30 days
- Annual rate: 6%
- Estimated loss: $9.86
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