Retainage tracker
Paste one line per job and see how much retainage is still held, which releases are past due, and what's due in the next 30 days. Free, no signup, nothing uploaded.
Your retainage, job by job
Columns in this order: job, billed to date (line 4 of your latest pay app), retainage %, retainage withheld (optional: line 5 of your latest pay app, used instead of billed × %), received so far, completion date and days until due after completion (from your contract). Leave the last two blank on open jobs. A header row is fine.
Why track retainage separately
Retainage is money you've already earned. It just isn't due until the job, or your part of it, is finished and the release conditions are met. Mixed in with ordinary receivables it hides two things: how much cash is tied up across your jobs, and which releases are now late. Subcontractors regularly describe it the same way: the scope is done, everything else is collected, and the retainage sits for months behind punch lists and closeout on work that isn't theirs.
How the tracker works it out
- Withheld = billed to date × the retainage %, rounded to the cent. If you enter the retainage withheld from your latest pay app, that figure is used instead, and you're told when it differs from billed × %. That happens after a rate reduction, for example.
- Still held = withheld − received so far.
- Due date = completion date + the days your contract (or the law that applies) allows. The tracker doesn't know your contract, so it only works out a due date when you enter both.
- Status is worked out as of the date you choose: past due (with how many days), due soon, job not complete, or paid in full. Past-due amounts are split into 1–30, 31–60, 61–90 and 90+ day buckets.
Download the list as a CSV to keep it with your books, and paste it back in next time. Nothing is saved in the browser.
When retainage is late
First check what your subcontract says triggers the release: substantial completion, final completion, acceptance of your scope, or the owner releasing retainage to the GC. If your scope is complete but the job isn't, ask whether a partial or line-item release is possible. Then bill it. Retainage usually has to be invoiced on a final or retainage-only pay application. See how to bill a retainage release. Many states set retainage limits and release deadlines, especially on public work, so check the rules where the project is.
Billing it
Retaintally builds the G702/G703-style application from your schedule of values. Enter the release and it comes off line 5, capped at the retainage actually held, with the payment due worked out. It's free for the full summary and every check. Pro ($7 for 7 days, $9/month or $49/year) adds every line, every what-if and the Excel and CSV exports. See pricing.
General information, not legal or accounting advice. Release triggers and deadlines come from your contract and, on many jobs, state prompt-payment law.
FAQ
Is my job list uploaded or saved?
No. The tracker runs in this browser tab. Nothing you paste is sent to us or anyone else, and nothing is saved. Use “Download this list” to keep a copy.
Which date formats work?
YYYY-MM-DD (2026-10-02) or US month/day/year (10/02/2026 or 10/2/26).
What should I enter for days until due?
The number of days after completion that your contract, or the prompt-payment law that applies to the job, gives for the release. The tracker doesn't look up laws or read contracts; it adds the days you enter to the completion date.
Can I track retainage I hold from my own subs?
Yes, as a separate list: enter what you billed them for and what you withheld. Many states give you only a short time to pass retainage on after you receive yours, so check the deadline that applies.
Does it handle a retainage reduction, like 10% down to 5%?
Enter the retainage withheld from your latest pay app in the optional column. That's the amount actually held after the reduction, and it's used instead of billed × %.