Free tool
Offered a merchant account with a rolling reserve? Enter your monthly card volume, the reserve percentage and the hold period to see how much is held each month, the most held at one time and when releases begin.
Enter your monthly card volume, the reserve percentage and the hold period from your offer or agreement.
Estimate only. It assumes the same card volume every month, spread evenly over 30-day months, and no refunds or disputes taken from the reserve. It isn't a quote; your actual reserve terms are the ones in your merchant agreement.
Held each month = monthly card volume × reserve percentage. The calculator spreads that evenly across a 30-day month, so each day's portion is released after the hold period: with a 90-day hold, day 1's funds come back on day 91.
Until releases start, the reserve balance grows every day. After that, new holds and releases roughly cancel out, so the balance levels off at its peak: the daily hold × the number of hold days. If your sales grow, the reserve grows with them.
For reserve types, how a reserve differs from a hold or a freeze, and questions to ask before you sign, read rolling reserves explained.
It holds your reserve percentage of each month's card sales, spread evenly across a 30-day month, and releases each day's portion after the hold period you enter. It shows the amount held each month, the most held at one time and the month releases begin.
Use the terms in your offer or merchant agreement. Published examples vary: Stripe's guide describes rolling reserve percentages as usually 5% to 15%, with holding periods commonly ranging from six months to a year. Your own terms are what count.
No. It assumes steady sales and no deductions. Some agreements let the processor take refunds and disputes from reserved funds, which would reduce what is released.
No. The math runs in your browser, and nothing you enter is sent or saved.