Free Accounts Receivable (A/R) Aging Calculator
Generate an immediate Accounts Receivable aging schedule. Add your open customer invoices, sort receivables into 30-day aging buckets, identify delinquency risks, and protect business cash flow.
Accounts Receivable (A/R) Aging Calculator
Aging Schedule, Delinquency Buckets & Portfolio Risk| Invoice Ref # | Amount ($) | Due Date | Days Overdue | Aging Bucket | Action |
|---|---|---|---|---|---|
$ | 0 (Current) | Current | |||
$ | 14 days | 1–30 Days | |||
$ | 42 days | 31–60 Days | |||
$ | 78 days | 61–90 Days | |||
$ | 115 days | 90+ Days |
30-Day Bucket Standards
Standard GAAP aging categories (Current, 1–30, 31–60, 61–90, 90+) allow banks and bookkeepers to assess liquidity and reserve appropriate bad debt allowances.
Escalate Systematically
Automate your outreach: friendly statement reminders at 7 days overdue, direct phone outreach at 30 days, and work stoppage once invoices exceed 60 days.
100% Client-Side Privacy
Your customer ledger numbers remain strictly in your browser session. Invoza never stores, transmits, or records your client receivables data.
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Frequently Asked Questions
What is an Accounts Receivable (A/R) aging report?
An Accounts Receivable (A/R) aging report is a core accounting schedule that categorizes a company's outstanding unpaid customer invoices based on the number of days they have been past due. Standard aging buckets are Current (not overdue), 1–30 days, 31–60 days, 61–90 days, and 90+ days past due.
Why is aging of receivables important for cash flow?
A/R aging reveals which clients are paying promptly and highlights overdue accounts before they turn into uncollectible bad debt. The longer an invoice remains unpaid past 60 and 90 days, the lower the statistical probability of collecting full payment.
What actions should I take for each aging bucket?
Recommended escalation steps: Current (send invoice promptly); 1–30 days overdue (friendly polite reminder email with invoice PDF re-attached); 31–60 days overdue (direct phone call to client finance manager and pause ongoing work); 61–90 days overdue (formal notice of late fees and demand letter); 90+ days overdue (final legal demand, stop service, or third-party collections referral).
Is client data kept private when using this calculator?
Yes. All calculations happen entirely in your local web browser. Invoza does not collect, track, or transmit your invoice references, amounts, or due dates to any server.