Finance Crypto Finance Fintech & Transfers Insurance Financial Reporting Banking Budgeting & Planning Auditing & KPIs Financial Planning Accounting Bookkeeping Cost Accounting Financial Statements Accounts Payable & Receivable Auditing Fixed Assets & Depreciation Accounting Software IFRS & GAAP Standards Marketing Brand Strategy Content Marketing SEO & AI Search Social Media Email Marketing Digital Ads TikTok Marketing & Shop Growth Hacking Marketing Analytics Pricing Psychology Brand Ambassadors Tools & Comparisons HR Compensation & Benefits Employee Engagement HR Strategy Recruitment & Talent Acquisition Sales B2B Sales AI in Sales CRM Systems Cold Outreach Pricing Strategy Pipeline Management Sales Enablement Sales Leadership Technology AI Tools & LLMs Cloud Infrastructure Cybersecurity Data Analytics Emerging Tech All → Startup Corporate Governance Law Procurement Procurement: Sourcing Procurement: Vendor Management Procurement: Supply Chain Procurement: Contract Negotiation Procurement: Cost Reduction All Departments
Select Page

Invoice Aging Calculator

Finance · Free tool

Invoice Aging Calculator

Which part of the receivables book is getting old? This invoice aging calculator takes the open amount in four age buckets and shows the total and each bucket's share. It is a quick tool for controllers, credit managers, and owners preparing a collections review or a lender covenant check.

  • OutputTotal open and each share
  • No sign-up
  • Copy or print the result
  • How it works ↓

Your entries stay in this browser. Use Fill example to see a finished page first.

Advertisement

What this finance tool gives you

The output lists total open receivables, the share of each bucket, and a small table of amounts and shares. In a weekly cash meeting it shows at a glance whether the older buckets are growing and where the collection calls should start.

What you enter

  • Currency: USD by default, or EUR or GBP (only changes how amounts are formatted)
  • Current: open invoices that are not yet overdue
  • 1-30 days: invoices up to 30 days old
  • 31-90 days: invoices 31 to 90 days old
  • 90+ days: everything past 90 days
  • Every bucket needs an amount, zero or more; use 0 for an empty bucket

Worked example

The tool's example has $8,000 current, $4,000 at 1-30 days, $2,000 at 31-90 days, and $2,000 at 90+ days. Total open receivables are $16,000. Current invoices make up 50%, the 1-30 bucket 25%, and the 31-90 and 90+ buckets 12.5% each, so a quarter of the book is more than 30 days old.

How is the invoice aging breakdown calculated?

Total open = current + 1-30 days + 31-90 days + 90+ days. Each bucket's share = bucket amount ÷ total open × 100, shown to one decimal. If the total is zero, shares show a dash.

The tool does not read invoice dates; it works from the bucket totals you enter, usually taken from your accounting system's aged receivables report.

Advertisement

Tips before you use the result

  1. Track the 90+ share over time; a rising share usually matters more than the total, which can grow simply because sales grew.
  2. Start collection calls with the oldest bucket, but check the largest individual invoices in the 1-30 bucket before they age further.
  3. Use totals from the same report date so the buckets add up to your receivables balance.

Frequently asked questions

What is an accounts receivable aging report?

It groups unpaid customer invoices by how long they have been outstanding, such as current, 1-30 days, and older. Finance teams use it to target collections and judge credit risk. This calculator takes your bucket totals and shows the overall open amount and the percentage each bucket represents.

How do you calculate the percentage in each aging bucket?

Divide the bucket's amount by the total of all buckets and multiply by 100. With $16,000 open in total, a $2,000 bucket is 12.5%. The shares always add up to 100%, give or take rounding, and they show where the receivables book is concentrated.

What counts as a healthy receivables aging profile?

There is no single benchmark in the tool, but the pattern matters more than one month: a rising share in the 31-90 and 90+ buckets means collections are slowing. Compare each month with the last, chase the oldest invoices first, and review credit terms for customers who keep landing past 90 days.

Can I keep my aging figures between sessions?

You can. The bucket amounts sit in local storage inside your browser, which means no account is involved and the data stays on that one machine. Next time you open the page on the same device, the last figures reappear.

More Finance tools

12-Month Cash Flow ProjectionShows how revenue growth, fixed costs, and variable costs land in the bank.Open tool →Unit Economics Calculator for Four Revenue ModelsWorks out unit economics for a subscription, a product, a service, or a commission.Open tool →Cap Table CalculatorShows who owns what after an option pool and an investment round.Open tool →Budget vs Actual Variance CalculatorCompares each line's budget with what happened, then shows the variance and the percent.Open tool →Break-Even CalculatorTurns a price, a variable cost, and a fixed cost into the units and revenue that cover the fixed cost.Open tool →Loan Payment CalculatorTurns a principal, an annual rate, and a term in months into the payment and the total interest.Open tool →ROI CalculatorDivides a gain by its cost. Gain is the profit you type, not a sale price.Open tool →Working Capital CalculatorAdds receivables and inventory, then subtracts payables.Open tool →Startup Runway CalculatorDivides cash on hand by the monthly net burn.Open tool →

All 100 business tools →

Advertisement

Finance guides on Kurums

Browse the Finance department →

Results depend on the figures you enter; check them against your own records before you rely on them. Last updated: September 2026 · Kurums editorial team.