Receivables & cash collection
Invoice Aging & Collections Calculator
Enter five due-date aging buckets and your collection assumptions. See the overdue total and an oldest-first review table without entering customer details.
74 / REVIEW AGED RECEIVABLES
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INPUT GROUP 01
Balances at one reporting date
INPUT GROUP 02
Your collection scenarios, not benchmark probabilities
Check the assumptions before acting on a result.
Read the method and exampleYOUR CALCULATION
Review oldest overdue balances first, with your own collection scenarios.
Total overdue receivables
Overdue / total receivables
Collections under entered assumptions
Balance not modeled as collected
Oldest-first review and collection scenario
| Age bucket | Balance | Entered collection % | Scenario collections | Not modeled collected |
|---|---|---|---|---|
| 91+ days overdue | $1,000.00 | 40.00% | $400.00 | $600.00 |
| 61–90 days overdue | $1,000.00 | 70.00% | $700.00 | $300.00 |
| 31–60 days overdue | $3,000.00 | 85.00% | $2,550.00 | $450.00 |
| 1–30 days overdue | $5,000.00 | 95.00% | $4,750.00 | $250.00 |
| Current / not overdue | $10,000.00 | 100.00% | $10,000.00 | $0.00 |
Illustrative inputs loaded. Replace them with your own assumptions.
How the invoice aging & collections calculator works
Use one reporting date and days past the invoice due date. Current balances are not overdue; the other four buckets are mutually exclusive ranges. Enter each outstanding balance once. Balance inputs round to cents before the totals are assembled. No customer names, invoice identifiers or due dates are required.
Scenario collections equal each bucket balance multiplied by its entered collection percentage, rounded separately to cents, then summed. The overdue share is overdue balance divided by total entered receivables. A zero total gives an undefined share. Starting percentages are illustrative assumptions and do not encode a measured relationship between age and recovery.
The table places older overdue buckets first as an age-based review order. It does not rank individual debtors, recommend a collection action or establish legal priority. The remainder is simply not modeled as collected under the scenario; it is not a credit-loss allowance, bad-debt expense or determination that a balance is uncollectible.
Worked example
Balances of 10,000 current, 5,000 at 1–30 days, 3,000 at 31–60 days, 1,000 at 61–90 days and 1,000 at 91+ days total 20,000, with 10,000 overdue. Collection assumptions of 100%, 95%, 85%, 70% and 40% yield 10,000 + 4,750 + 2,550 + 700 + 400 = 18,400 scenario collections. Raising the oldest-bucket assumption to 80% increases collections to 18,800.
Sources and assumptions
The source material explains the underlying calculation or pricing structure. Entered prices, costs, schedules and scenario choices are your assumptions; this tool does not obtain supplier quotes or predict actual results.
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