AR Aging Calculator
Enter outstanding invoices to see current, 1–30, 31–60, 61–90, and 90+ day receivable balances.
How is ar aging calculator worked out?
An accounts receivable aging report groups every unpaid invoice by how far past its due date it is — current, 1–30, 31–60, 61–90 and 90+ days — so you can see where the money is and how likely it is to be collected.
AR Aging Calculator
Total receivables
$0.00
Enter at least one invoice amount to see the aging profile.
A total receivables figure tells you how much you are owed. An aging profile tells you how worried to be about it. Two businesses owed the same amount are in completely different positions if one has it all in the current bucket and the other has half of it beyond ninety days.
The formula
Each invoice is placed in a bucket by its days past due:
Current (not yet due), 1–30, 31–60, 61–90, 90+
Bucket total = sum of invoice amounts in that bucket
Bucket share = bucket total ÷ total receivables × 100Age from the due date, not the invoice date. Aging from the invoice date mixes your payment terms into the profile and makes customers on long terms look delinquent when they are paying exactly as agreed.
Reading the shape, not just the total
A healthy aging profile is heavily weighted toward the current bucket, with a thin tail. What matters is the direction of travel: if the 31–60 bucket is growing month on month while the current bucket stays flat, invoices are not being collected on schedule and the problem will arrive in the older buckets shortly. Aging is most useful compared with itself over several months, because a single snapshot cannot distinguish a temporary blip from a trend.
Older balances are worth less
The probability of collecting a receivable in full falls as it ages, and it falls faster than most businesses expect. Invoices in the 1–30 bucket are usually administrative — a lost email, a missing purchase order number, a missed payment run — and a reminder resolves them. By 61–90 days the reason is more often a dispute or genuine inability to pay, and beyond 90 days recovery in full becomes materially less likely. That curve is why aging drives collection priority: effort spent on the 1–30 bucket prevents the 90+ bucket from existing.
Use it to decide, not just to report
The practical value of an aging report is in what it changes. Concentrations point at customers who should be on tighter terms or on stop; a large 90+ bucket points at whether to escalate, negotiate a payment plan, or write off and stop spending time on it; and a consistently heavy 1–30 bucket usually points at your own invoicing rather than at customers. If the report is produced and filed without a decision attached, it is not doing any work.
Frequently asked questions
What is an accounts receivable aging report?
A report that groups every unpaid customer invoice by how long it has been outstanding past its due date, typically into current, 1–30, 31–60, 61–90 and 90+ day buckets, so you can see the age profile of what you are owed.
What are the standard AR aging buckets?
Current for invoices not yet due, then 1–30, 31–60, 61–90 and 90+ days past due. Some businesses add a 120+ bucket for balances approaching write-off.
Should aging be measured from the invoice date or the due date?
From the due date. Measuring from the invoice date builds your payment terms into the aging figure, so customers on Net 60 terms appear overdue when they are paying exactly as agreed.
How often should I run an aging report?
Monthly is the minimum for most businesses, and weekly is worthwhile if receivables are a significant part of your working capital. The value comes from comparing consecutive reports, since the trend in each bucket is more informative than any single snapshot.
Put the number on an invoice
The free invoice generator builds the document around your figures — line items, tax, payment terms — and downloads a print-ready PDF. No signup required.
Related calculators
- Days Past Due CalculatorCount how many calendar days an invoice is past due and which AR aging bucket it falls into.
- Bad Debt Percentage CalculatorCalculate write-offs as a percentage of credit sales or receivables.
- Collection Effectiveness Index CalculatorScore how much of available receivables you actually collected.
Guides that go deeper
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