Invoice Aging Calculator

Paste your open invoices — one amount, due date per line — and get an accounts receivable aging report: how many invoices and how much money sit in Current, 1–30, 31–60, 61–90 and 90+ days past due, as of any date you pick. Your list is parsed in your browser and never uploaded.

Dates: YYYY-MM-DD or MM/DD/YYYY. Amounts may carry a currency symbol and thousands commas ($1,200.50). Blank lines are ignored; anything else that cannot be read is listed back at you by line number, never dropped in silence.
Defaults to today. Set it to a month-end for a closing snapshot.
Formatting only — no currency conversion. Paste one currency at a time.

How the math works

Age of an invoice: age = as-of date − due date, in whole calendar days.

Bucket:

  • age ≤ 0 → Current (due today or later, so not past due)
  • 1 ≤ age ≤ 30 → 1–30 days past due
  • 31 ≤ age ≤ 60 → 31–60 days past due
  • 61 ≤ age ≤ 90 → 61–90 days past due
  • age ≥ 91 → 90+ days past due (day 90 itself belongs to the previous bucket)

Bucket total: bucket total = sum of the amounts of the invoices in that bucket

Share of the balance: % of total = bucket total ÷ grand total × 100

Calendar days — weekends and public holidays are counted, and nothing is shifted to the next business day. Dates are compared at midnight UTC, so a daylight-saving change can never move an invoice by a day. Percentages are rounded to one decimal, so the five bucket shares can add up to 99.9% or 100.1% while the amounts still sum exactly to the total.

Worked example — every number below comes from the formulas above

Three open invoices, aged as of 2026-03-31:

  • 1,000.00, 2026-03-25 → age = 31 Mar − 25 Mar = 6 days → 1 ≤ 6 ≤ 30 → 1–30
  • $2,000.00, 02/10/2026 → age = 18 days left in February (28-day month in 2026) + 31 days of March = 49 days → 31 ≤ 49 ≤ 60 → 31–60
  • 3000, 2026-04-15 → age = 31 Mar − 15 Apr = −15 days → age ≤ 0 → Current

Grand total = 1,000 + 2,000 + 3,000 = 6,000.00. So the report reads:

  • Current — 1 invoice, 3,000.00 → 3,000 ÷ 6,000 × 100 = 50.0%
  • 1–30 — 1 invoice, 1,000.00 → 1,000 ÷ 6,000 × 100 = 16.7%
  • 31–60 — 1 invoice, 2,000.00 → 2,000 ÷ 6,000 × 100 = 33.3%
  • 61–90 — 0 invoices, 0.00 → 0.0%
  • 90+ — 0 invoices, 0.00 → 0.0%

Half the balance is not even due yet; a third of it is already more than a month late. Press “Load the worked example” in the form above to reproduce these exact figures — it fills in the three lines and sets the as-of date to 2026-03-31.

What we would do next in each bucket

Our own generic collection routine — not a benchmark, not a statistic, and not a substitute for your own credit policy. After you build a report, each bucket below shows how much of your balance it is holding.

  • Current

    Nothing to chase. Keep it that way: make sure every invoice leaves with an explicit due date and written terms, so the day it becomes late is never in dispute. Confirm the date with the payment due date calculator and pick your wording from invoice payment terms.

  • 1–30 days past due

    Send a short, friendly reminder that restates the invoice number, the due date it passed, the amount and how to pay. Most of what lands here is an admin gap — the invoice went to the wrong inbox, or it is waiting on a PO number. Check you sent it to the accounts-payable contact, not just your day-to-day contact.

  • 31–60 days past due

    Move off email. Call, ask directly when it will be paid, and confirm the answer in writing the same day so there is a dated commitment on record. Re-send the invoice marked past due, and re-read your own terms — if they carry a late-fee clause, this is where you tell the client it is about to apply. See invoice payment terms.

  • 61–90 days past due

    Send a final reminder with a deadline and calculate the interest your terms allow — work out the exact figure with the late fee calculator and put it on the invoice rather than leaving it as a threat. Hold new work for that client until the balance moves.

  • 90+ days past due

    Decide, and write the decision down: a payment plan you both sign, a formal demand letter, small-claims, or a hand-off to a collections agent. Whichever you pick, total the interest owed to date with the late fee calculator first, and check how long you have left under the limitation period that applies where you invoice.

Scope and limits — read before you rely on this

  • This is a bookkeeping view of a list you typed, not accounting, tax or legal advice, and not a substitute for the aging report your accounting system produces from your actual ledger.
  • It ages from the due date. If your accounting software ages from the invoice date, its buckets will be older than these by the length of your payment term.
  • It totals open balances only. Partial payments, credit notes and negative amounts are not handled — net them off before pasting, or the totals will not match your ledger.
  • No interest is added and no currency is converted. Every amount is treated as the same currency, and the symbol is display formatting only.
  • Being in an overdue bucket does not by itself make a late fee, interest or a collection cost chargeable. That depends on your contract and on the law where you invoice.
  • Everything runs in your browser. The list you paste is never uploaded, stored or sent anywhere — reloading the page clears it.

Invoice aging FAQ

What is an invoice aging report?

An aging report groups your open (unpaid) invoices by how long each one has been past due, so you can see at a glance how much of your receivable balance is still current and how much has slipped into the 1–30, 31–60, 61–90 and 90+ day buckets. It is a snapshot: every age is measured against one 'as of' date that you choose, usually today or a month-end.

Do aging buckets count from the invoice date or the due date?

Both conventions exist, and they give different answers. This calculator ages from the due date — age = as-of date minus due date — which is what 'days past due' normally means. Some accounting systems age from the invoice date instead, which makes every invoice look older by the length of your payment term: on Net 30, an invoice one day past due is 31 days old by that method. Check which convention your system uses before you compare numbers.

What counts as 'Current' in this report?

Any invoice whose due date is the as-of date or later, i.e. an age of zero or less. An invoice due today has an age of 0 and stays in Current; it moves to the 1–30 bucket the day after its due date. Because the 61–90 bucket already includes day 90, the 90+ bucket starts at day 91.

Can I charge a late fee on the invoices in the overdue buckets?

Only if your contract or the invoice itself states a late-fee or interest term, and only at a rate your jurisdiction allows. An aging bucket is a bookkeeping view, not a legal entitlement — it tells you an invoice is overdue, not that a charge is enforceable. Once you have confirmed your terms, use our Late Fee Calculator to work out the interest for the days outstanding.