Invoice Aging Analyzer

Track outstanding invoices by age bucket and see what late-paying clients actually cost your cash flow.

Current (0-30 days) $8,000

31-60 days outstanding $5,500

61-90 days outstanding $3,000

90+ days outstanding $1,500

Your cost of capital (%) 12%

Total outstanding

Across all aging buckets

At-risk balance (60+ days)

Annual carrying cost

Receivables by age bucket

💡 AR insight

Invoice Aging Analyzer

The Invoice Aging Analyzer tracks your outstanding receivables by age bucket and quantifies the cash flow cost of slow-paying clients. You enter outstanding amounts in four buckets (current, 31-60 days, 61-90 days, and 90+ days) plus your cost of capital. The calculator returns total outstanding, the at-risk balance aged 60+ days, and the annual carrying cost. Use it monthly during your cash flow review. Invoices that age past ninety days collect at roughly half the rate of timely invoices, so the right operational response is structured reminders at 35, 60, and 75 days plus a documented late fee that you actually enforce.