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Construction Retainage Calculator

See exactly how much retainage you've earned, how much is being withheld, and how much becomes releasable at substantial completion. Supports the common 50%-complete reduced-rate rule.

Enter your contract value and retainage % to see what's being held and what's releasable.

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This is general information, not legal advice. Statutes change and vary by project type (public/private/residential) and by your role (GC/sub/supplier). Verify every figure with a licensed construction attorney in your state before relying on it. Retainage terms are set by your contract and, on public projects, by state statute (some cap retainage at 5–10% or require release at 50% completion). This tool uses the conventional straight-line model. Read the retainage and flow-down clauses in your contract.

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© 2026 VoiceLogPro. Data current as of 2026-07-27.