Free one-invoice tool · no account · no form-value upload
Calculate accounts receivable aging from one clear as-of date
Enter a payment due date and report date to get calendar days past due and a Current, 1–30, 31–60, 61–90, or 90+ day bucket. Add an optional outstanding balance to place it in exactly one bucket.
Anonymous single calculationRuns in this tabNo currency conversion
This is an operational classification tool—not accounting, tax, legal, collection, or credit advice.
Calendar-day ruleAs-of date − due date
Due today = Current
1–30 / 31–60 / 61–90 / 90+ days
=MAX(0,DAYS(ReportDate,DueDate))Free · anonymous · one invoice
Use two dates to place one balance in a consistent aging bucket
Enter only a due date, an as-of date, and an optional outstanding balance. Do not enter a client name, email, phone number, or invoice number.
Currency controls display only. No exchange-rate conversion is performed.
Form values are not sent. The calculation runs only in this browser tab. A valid calculation adds one aggregate tool-use event without dates, amounts, or identifiers.
This is deterministic date classification—not accounting, tax, legal, collection, bad-debt probability, or credit-risk advice. It does not guarantee payment.
Method and boundary
Aging is a configurable operating view—not an automated collection decision
The tool uses the entered due date and as-of date in whole calendar days. It ignores times of day and calculates from UTC date parts to avoid daylight-saving shifts.
What it does
- Calculates whole calendar days between two dates
- Places one balance in one aging bucket
- Shows days remaining or days overdue
- Creates a copyable text summary
What it does not decide
- Whether a payment is legally late or interest may be charged
- Whether an invoice, receipt, or source record is accurate
- Bad-debt probability, credit risk, or recoverability
- Currency conversion, accounting recognition, or tax treatment
Official method references: Microsoft explains aging by due date and customizable periods; SAP documents key-date and 30/60/90 aging periods. Need the multi-row source table first? Follow the sales order and payment tracker setup guide.
Clear before use
Frequently asked questions
Is an invoice overdue on its due date?
This tool keeps the due date in Current and begins counting on the first calendar day after it. That is an operational bucket rule, not a legal determination in any jurisdiction.
What does 90+ days mean?
It means the as-of date is more than 90 calendar days after the entered due date. Common 30/60/90 groupings can support review, but they do not establish bad-debt probability, recoverability, or client credit.
Does the currency selector convert money?
No. It changes display formatting only. The calculator does not retrieve exchange rates or combine currencies.
Does the site receive my dates or amount?
No. Form values are used only in the current browser tab. A valid calculation sends one aggregate tool-use event without dates, amounts, or identifiers; DNT or GPC disables it.
From one invoice to a repeatable process
Need to track multiple orders, payment states, and data issues?
The free calculator handles one aging decision. Standard is a US$29, 500-row English Excel workflow available through Gumroad; substantive external-client implementation uses a Consultant or Partner commercial license.