Chargeoff Timing Calculator

Delinquent rent gets charged off. This calculator times the process.

Initial delinquency days

Internal collection days

Third-party collection days

Recovery probability %

Delinquent balance

Expected recovery

$1,050

Charge-off amount

$3,150

Total days to chargeoff

180

How the math works

Chargeoff timing = initial delinquency + internal + third-party stages. Recovery = balance × probability.

On a $4,200 delinquency hitting 180-day chargeoff, expected recovery ~$1,050; charge-off ~$3,150. Accelerating collection touchpoints (day 5, day 15, day 30) improves recovery 15-25% vs passive collection — worth the ops investment.

How to Use

Enter initial delinquency days.
Enter internal collection days.
Enter third-party collection days.
Enter recovery probability %.
Enter delinquent balance.
Read expected recovery and charge-off amount.

Frequently Asked Questions

Standard timing?

30 days late: first notice. 60 days: second notice. 90 days: pre-legal. 120 days: legal filed (where state allows). 180 days: chargeoff. Some operators accelerate to 90-120 days chargeoff. Recovery unit continues post-chargeoff.

Recovery rate?

Internal collections: 30-50% recovery on amounts above 30 days. Third-party: 15-30% net of fees. Post-chargeoff recovery: 5-15%. Total lifetime recovery on delinquent account 40-65% across channels.

Accounting?

GAAP requires chargeoff when recovery deemed improbable. Allowance for doubtful accounts pre-accrues expected loss. Chargeoff moves account from AR to expense. Subsequent recovery flows back through income statement.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.