I just tried using the %Balance% placeholder in my invoice emails, because I wanted to flag to clients how much they owed me, but it seems that the placeholder only totals overdue amounts and not the total owed.

I don't think that this is a good way for the placeholder to function, and it might be better to have two placeholders (e.g. %Balance% and %Balanceoverdue%) so that I can include in invoice emails a note saying "you have an outstanding balance of $xxx of which $yyy is overdue".

I hope that the Zoho team can incorporate this functionality!

Mark