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Project Execution
RFIsSubmittalsSchedulesTasksMeeting Minutes
Financial Management
BudgetsCommitmentsChange OrdersInvoices
Preconstruction
TakeoffsEstimatesBid Management
Collaboration & Documents
DrawingsSpecsMarkups
Field Operations
CertificatesQuality & Safety FormsTime Tracking
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Construction Retainage Calculator

Free tool

Retainage calculator

Estimate retainage withheld and net payment due on your current pay application.

$
%
%
$
% complete
%

Enter a contract value greater than $0.

Value completed to date

$810,000

Total retainage held

$81,000

Net payment due this application

$657,000

See how Buildend tracks retainage by pay app →

Estimate only. Net payment due = value completed to date − total retainage held − amounts previously paid (prior retainage). Confirm actual terms against your contract.

Disclaimer: The calculators, assessments, and checklists on this page are provided by Buildend for general informational and planning purposes only. They are not a substitute for professional advice from a licensed engineer, accountant, attorney, or other qualified professional, and they should not be relied upon as the sole basis for any financial, structural, contractual, or safety-related decision. Results are estimates based on the values you enter and standard industry formulas or assumptions. They do not account for site-specific conditions, local building codes, contract terms, material specifications, or other factors that may materially affect actual outcomes. Buildend makes no warranty, express or implied, as to the accuracy, completeness, or applicability of any result produced by these tools. You are solely responsible for verifying all calculations, quantities, and figures with appropriate professionals — including your ready-mix supplier, structural engineer, accountant, and legal counsel — before relying on them for bidding, ordering materials, structural design, or contractual purposes. To the fullest extent permitted by law, Buildend disclaims all liability for any loss, damage, or claim arising from the use of, or reliance on, these tools.

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1. Federal Reserve Bank of Richmond, “Five Decades of Decline: U.S. Construction Sector Productivity,” Economic Brief No. 25-31 (Aug 2025). richmondfed.org