Collection & Recovery Calculator

Scenario plan how much additional revenue and cost savings you would experience with a shift to an intelligent, digital-first strategy.

Step 1: Information on Your Business

• Monthly # of accounts in delinquency
• Average balance
• Right Party Contact Rate (%): 05101520
• Email contactability (percent): 050100
• Email open rate (percent): 050100
• SMS open rate (percent): 050100
• SMS deliverability rate (percent): 050100
• What % of your delinquent accounts can you actually reach? 17.0%

Step 2: Information on Your Reach

Step 3: Information on Your Resolution Funnel

• Promise to Pay Kept (PTPK) rate: 050100
• Promise to Pay (PTP) rate: 050100
• What percentage of delinquent accounts that you can reach can you actually cure? 22.50%

Step 4: Information on Your Efficiency Metrics

• Accounts per employee
• Average employee salary
• Total cost per account to service: $24.0

Step 5: Compare Potential with Intelligent Digital-First Recovery

• Right Party Contact Rate (%): 05101520
• Email contactability (percent): 050100
• Email open rate (percent): 050100
• SMS deliverability rate (percent): 050100
• SMS open rate (percent): 050100
• What % of your delinquent accounts can an intelligent, digital-first solution reach? 91.5%
• Promise to Pay (PTP) rate: 050100
• Promise to Pay Kept (PTPK) rate: 050100
• What percentage of delinquent accounts can an intelligent, digital-first solution recover from? 32.00%

Step 6: Understand Your Baseline

• Payment rate: 3.83%
• Value of monthly recovery: $191250
• Cost to service: $120000

Step 7: Evaluate the Impact of Shifting to an Intelligent- Digital-First Solution

• Your cure rate: 29.28%
• Value of monthly cures: $1464000
• Cost to service: $60000
• Lift from intelligent digital-first recovery: 15.31x

Get Your Results

• Accounts per employee
• Average employee salary
• Cost per account of digital recovery technology: $12.0
• $ collected per $ spent: $1.59
• $ collected per $ spent: $24.40