Delinquency Vintage Calculator

Delinquency has vintage curves. This calculator predicts ultimate loss from aging buckets.

Monthly rent roll

30-day delinquent

60-day delinquent

90+ day delinquent

Expected ultimate loss

$8,690

Total delinquent

$31,200

Delinquency % of roll

5.94%

How the math works

Expected loss = 30-day × 12% + 60-day × 35% + 90+ day × 80% (industry cure rate complement).

Feed expected loss into monthly forecasting rather than waiting for write-offs to show up in the P&L. Delinquency vintage is a 60-90 day forward indicator — treating it as one instead of as a historical report closes the lag on collections response.

How to Use

Enter total rent roll.
Enter 30-day delinquent amount.
Enter 60-day amount.
Enter 90+ day amount.
Read expected ultimate loss.

Frequently Asked Questions

Cure rates by bucket?

0-30 day: 85-95% cure. 30-60 day: 60-75% cure. 60-90 day: 35-50%. 90+: 10-25%. Expected loss = 1 − cure rate. Curves vary by property class and tenant screening quality.

Why vintage matters?

Looking only at current delinquency misses the trend. 30-day bucket growing signals deteriorating collections. 60+ bucket stable but large signals already-written-off balances. Each requires different management response.

Portfolio benchmarks?

Good: 0-30 day <3% of rent roll, 60+ day <0.5%. Concerning: 0-30 day 4-6%, 60+ day 1-2%. Problematic: 0-30 day >7%, 60+ day >3%. Action thresholds should trigger collections escalation before delinquency vintages mature.

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.