--- title: "AR aging calculator" description: "Free ar aging calculator: enter your numbers and see results instantly, with formulas and assumptions explained." url: https://ledgerbpo.com/tools/ar-aging-calculator/ updated: 2026-09-11 publisher: LedgerBPO (SS Support Network LLC) language: en-US --- # AR aging calculator Free tool This free AR aging calculator takes the open balance in each aging bucket (current, 1 to 30, 31 to 60, 61 to 90 and over 90 days) and shows the share in each bucket, an estimated collectible amount using typical recovery rates by age, and the balance at risk. Estimates only. Updated September 2026 ## How the calculator works Total = sum of buckets. Share over 90 = over-90 bucket ÷ total. Estimated collectible = current × 98% + 1 to 30 × 95% + 31 to 60 × 85% + 61 to 90 × 70% + over 90 × 45%. Balance at risk = total − estimated collectible. ## Assumptions and sources - Recovery rates by age are illustrative planning assumptions, not a forecast; your own history should replace them. - Over-90 balances in B2B trade fall sharply in collectibility; commercial collection industry data has long shown recovery dropping to roughly half or less after 90 days; the calculator uses that shape as an orientation figure, not a prediction for your ledger. - Balances in dispute should be tracked separately because they are not late, they are unresolved. ## What to do with your result If more than 15% of your balance is over 90 days, read the AR follow-up calls and payment reminders pages. Both run under your brand with a promise-to-pay log you can see. ## Frequently asked questions ### What percentage of AR over 90 days is too high? Most finance teams treat anything above 10 to 15% of open balances as a warning sign. Above 20% usually means the reminder cadence has stopped or disputes are not being resolved. Healthcare payer AR runs on its own benchmarks. ### Where do the recovery rates come from? They are planning assumptions based on the well-documented pattern that collectibility drops with age. Replace them with your own write-off history for a better estimate; the assumptions section marks the source we still need to cite. ### How do I get the bucket balances? Run the AR aging summary in QuickBooks Online, Xero, Zoho Books or Sage as of today. The report groups open invoices by days past due; copy the totals into the calculator. ### Can LedgerBPO clean up an old AR ledger? Yes. We start with a full aging review, log disputes and wrong contacts, then run reminders and first-party calls by bucket. Uncollectible balances are documented for your write-off decision; we never act as a third-party collector. Next step ## Books closed. Invoices paid. Every month. Tell us what is going on with your books or billing. You will hear from a named person within 1 business day, with a custom quote and a plan for the first close. - Reply from a named person within 1 business day - No setup fee, month-to-month - Your software, your data, no lock-in Start with a custom quote [Get a custom quote](https://ledgerbpo.com/get-a-quote/) [Book a 20-minute call](https://ledgerbpo.com/book-a-call/) Or call [+1-657-777-0006](tel:+16577770006) during US, UK or Australian business hours. --- Source: https://ledgerbpo.com/tools/ar-aging-calculator/ · Contact: https://ledgerbpo.com/contact/ · Full site map for agents: https://ledgerbpo.com/llms.txt