Arrears Cure Rate Calculator

Cure rate measures arrears that recover to current.

Delinquent accounts

Cured within window

Cure window days

Avg delinquency per account

Cure rate

0.7%

Total cured $

$204,000

Accounts not cured

How the math works

Cure rate = cured / delinquent. Total cured $ = cured × avg delinquency.

120 delinquent, 85 cured in 60 days = 70.8% cure rate. $204k cured. 35 not cured — likely candidates for payment plan, writeoff, or eviction.

How to Use

Enter delinquent accounts.
Enter cured within window.
Enter window days.
Enter average delinquency.
Read cure rate and expected recovery.

Frequently Asked Questions

Cure vs resolution?

Cure: account returns to current status (all arrears paid, tenant continues in place). Resolution: broader (includes writeoffs, evictions, payment plans). Cure is the best-quality outcome; high cure rates mean healthy tenant base.

Benchmarks?

30-day cure: 60-80% of first-month delinquencies cure by day 30. 60-day: 75-85%. 90-day: 80-90%. Beyond 90 days: cure rate drops below 50% — most 90+ day tenants do not return to current without eviction or payment plan.

Drivers of cure?

Tenant income shock duration (temporary vs permanent). Effective communication and payment options. Late fee/notice policy — stern and consistent beats lax. Credit check quality at signing. Market rent as a % of income (affordable rents cure faster).