Collections Resolution Rate Calculator

Resolution rate measures collections effectiveness.

Starting arrears

Amount collected

Writeoffs

Period months

Resolution rate

0.9%

Still open arrears

$55,000

Writeoff rate

0.1%

How the math works

Resolution = (collected + writeoffs) / starting arrears. Still open = starting − resolved.

$450k arrears, $360k collected + $35k writeoffs = $395k resolved = 87.8% resolution. $55k still open.

How to Use

Enter total arrears at period start.
Enter amount collected.
Enter writeoffs.
Enter period months.
Read resolution rate and expected recovery.

Frequently Asked Questions

Benchmark rates?

Multifamily: 80-90% arrears resolution within 90 days typical. Commercial: 85-95% within 60 days. Institutional: targets 95%+. Below 75%: signals process issues — inadequate follow-up, poor credit screening, or soft-touch management.

What drives resolution?

Early intervention (day-3 calls vs day-30 calls). Automated notices + human follow-up. Payment plan options. Effective eviction credible threat. Broker fees and late fees adequately priced. Tenant creditworthiness at lease signing.

Measuring accurately?

Track by cohort: 'arrears at month-end X resolved by month-end Y'. Separately track: fully paid, partial pay, payment plan, writeoff, eviction. Weighted toward timely resolution beats pure % — $10k resolved in 30 days is worth more than in 120 days.

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.