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.

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.