MarginKoala

How long is my receivables book taking to collect?

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Numbers to enter
Enter the receivables balance in each ageing bucket using the same report date and the same ageing basis as your accounting system.
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Koala's Calculated Result
Total outstanding and the exact share sitting in older buckets.

Add the receivables balances from one ageing report.

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Frequently asked questions

What is A/R aging?

A/R aging bucket percentages — 0–30, 31–60, 61–90, 90+ — of your invoices by age. The headline for how customers are paying and how much outstanding is going stale. Use it to size collections effort and credit policy.

A/R Aging

What if 50% of receivables are over 60 days old?

It's a credit-policy alert — the business is effectively extending finance beyond its tollerance. Tighten credit terms OR lift follow-up cadence OR add early-payment discounts OR charge late fees. Each slice should be paired with a recovery plan.

A/R Aging

How does a late fee shape the aging?

A late fee changes the contractual economics of overdue invoices, but this calculator does not assume it improves payment timing. Check enforceability and disclosure requirements in the relevant jurisdiction and measure the payment response separately.

A/R Aging

What's the right discount-to-pay early?

A 1–2% / 10 net-30 discount is standard — the discount is small enough to make the business case for the customer, large enough to pull payment forward by 20 days. Use a similar plan when the discount is what the customer expects.

A/R Aging

Educational use, not financial advice. Numbers are estimates for planning; consult a qualified professional before acting on them.