Arrears Aging Calculator

Arrears aging reveals recoverability. 90+ day arrears are mostly uncollectible. This calculator buckets and scores risk.

0-30 days arrears

31-60 days

61-90 days

90+ days

Expected recovery

$11,885

Total arrears

$21,500

Est. write-off

$9,615

How the math works

Expected recovery applies bucket-specific probabilities. Older buckets write down faster.

Aging reports are the single most important collection tool. Review weekly and attack oldest buckets first. The 90+ bucket is psychologically easy to ignore but bleeds NOI.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This Arrears Aging Calculator is built to give a quick, browser-based estimate for arrears aging. Arrears aging reveals recoverability. 90+ day arrears are mostly uncollectible. This calculator buckets and scores risk. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the arrears aging result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this arrears aging estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter arrears by bucket.
Read weighted collectible and write-off estimate.

Frequently Asked Questions

Recovery probability by age?

0-30 days: 90-95%. 31-60: 60-70%. 61-90: 30-40%. 90+: 5-15%. Older arrears are mostly uncollectible absent legal action.

Write-off timing?

Write off 90+ day arrears monthly. Keeping stale arrears on books overstates receivables and understates bad debt. Clean books monthly.

Fast action?

Act at day 5. Call at day 10. Legal letter day 15. Eviction filing day 30. Speed matters — after 60 days, collection gets exponentially harder.

What documentation matters here?

Written leases, move-in/move-out inspections with photographs, ledger entries showing every payment and charge, served notices with proof of service, and contemporaneous emails or texts. Courts weigh written evidence heavily; informal understandings rarely stand. Institutional operators run a monthly file audit to catch gaps before they matter. Good paper trails recover most of what's owed.