For US subcontractors

Pay applications, retainage math, and 50-state billing rules.

Open the calculator for holdback dollars, the G702-style worksheet for previous certificates, or your state’s retainage cap — then read the matching guide.

Retainage calculator G702-style pay app

Where to start

One URL per job — calculator, worksheet, or statute.

Retainage calculator

Held, earned less retainage, and a 50% step-down.

G702 / G703 worksheet

Schedule of values, stored materials, current payment due.

What is a schedule of values?

The 1.9K/month search — SOV lines that must sum to the contract.

How to fill out G702 and G703

AIA-style cover math without claiming an official AIA form.

Tools

Run retainage, build the pay app, check state rules.

Retainage calculator

Contract, billed-to-date, rate, and optional step-down. Current payment due updates as you type.

Open

G702 / G703 pay application

Sample HVAC job loaded. Change This period and watch Current payment due move.

Open

50-state retainage laws

Caps, release clocks, and prime-to-sub windows — each state has its own URL.

Open

Guides

Short pages that match the search, then open the tool.

Schedule of values

What an SOV is, what goes on each G703 line, and why it must equal Line 1.

Open

How to fill out G702

Cover sheet lines 1–9 and the three mistakes that get pay apps rejected.

Open

How to bill retainage

Cumulative Line 5, 50% step-down, and release at closeout.

Open

High-volume state laws

Florida, Texas, and California are the searches. Every other state is listed on the hub.

Florida retainage law

Public 5% with a 50% step-down on many jobs. Private is not capped.

Texas retainage law

10% statutory retainage on private work (Property Code Ch. 53), not optional courtesy.

California retainage law

SB 61: 5% private cap on contracts on or after 1 Jan 2026.

All 50 states plus DC