Free Resource · Prime & Sub Contractors
Retainage
Tracker
Retainage is money you've earned but can't touch. On MILCON and NAVFAC projects it's typically 10% held until substantial completion — which can mean months of cash locked up across multiple jobs. Track it all in one place.
What is retainage? On government construction contracts, the prime (or owner) withholds a percentage of each progress payment — usually 5–10% — until the project reaches substantial completion or final acceptance. That held amount is your retainage. For a $500K subcontract at 10%, that's $50,000 you've billed for but won't see until job closeout.
Your Jobs
Job Name
Contract Value ($)
Retainage %
Portfolio Summary
Total Contract Value
—
Total Retainage Held
—
Cash you've earned but can't spend
Approaching Release
—
≥90% complete
Avg Retainage Rate
—
| Job | Contract | Rate | $ Held | Net Receivable | Completion | Status |
|---|
Cash Flow Impact
| Scenario | Retainage Released | Cash Impact |
|---|
Tips for faster retainage release: Submit a final punch list completion letter the day substantial completion is achieved. Include all close-out documentation (as-builts, O&M manuals, warranties) in one organized package. On NAVFAC contracts, coordinate your final inspection request through the COR — delays often come from documentation gaps, not active disputes.
Protect Your Contracts, Not Just Your Cash Flow
Retainage holds up your money. Non-compliance holds up your future contracts. DoD subcontractors on NAVFAC and USACE jobs in Hawaii and Guam must maintain CMMC Level 1 certification — PCC makes it simple and affordable.
CMMC compliance for trade subs
Plain English, no IT staff needed
Hawaii, Guam & CNMI coverage
Starting at $299/year
→ Prime contractor? Check your supply chain risk
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