📋 Your Receivables
Enter your total accounts receivable, then split that balance across the aging buckets by how overdue each invoice is. The buckets should add up to your total AR — the tool will flag a mismatch if they do not.
Total your customers currently owe you, across all invoices.
Enter total accounts receivable greater than 0.
Invoices still within terms.
Current must be 0 or more.
Up to one month overdue.
1–30 days must be 0 or more.
One to two months overdue.
31–60 days must be 0 or more.
Two to three months overdue.
61–90 days must be 0 or more.
More than three months overdue.
90+ days must be 0 or more.
Estimates only. This calculator provides estimates for informational purposes only and does not constitute financial, accounting, legal, or investment advice. Results are based solely on the values you enter. Consult a qualified financial professional before making business decisions.
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Frequently Asked Questions
What is an accounts receivable (AR) aging report?
An AR aging report sorts the money your customers owe you into time buckets based on how overdue each invoice is: current (not yet past due), 1–30 days, 31–60 days, 61–90 days, and 90+ days past due. For a freight broker it shows at a glance how much of your receivables is fresh versus how much has been sitting unpaid, which is a useful early signal of collection problems and cash-flow strain.
How is cash at risk calculated in this tool?
This calculator estimates cash at risk by weighting each aging bucket by a rough likelihood of collection difficulty: current 0%, 1–30 days 5%, 31–60 days 15%, 61–90 days 35%, and 90+ days 60%. Multiplying each bucket by its weight and adding the results gives an estimated dollar figure for receivables most exposed to delay or non-payment. These weights are general illustrative defaults, not a guarantee of actual losses.
What does the risk score mean?
The risk score is a 0 to 100 index derived from how your receivables are distributed across the aging buckets. A book that is entirely current scores 0; a book entirely 90+ days past due scores 100. The score is grouped into bands: 0–15 Healthy, 16–35 Watch, 36–60 Elevated, and 61–100 Critical. It is a directional indicator to help you compare months and prioritise collection effort, not a credit rating.
Why do my buckets need to match my total AR?
The five aging buckets should add up to your total accounts receivable. If they do not, the tool shows a warning and runs the aging breakdown on the sum of the buckets you entered, since that is the detail it can actually distribute. A mismatch usually means a bucket was mistyped or some receivables were not assigned to a bucket, so it is worth reconciling before relying on the figures.
Watching your receivables age every month?
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