An accounts receivable aging report categorizes your outstanding invoices by how long they have been past due. Enter your invoices below and this tool generates a complete aging report with visual breakdown and CSV export. No signup required.
Add Invoices
Client
Invoice #
Amount
Due Date
Days Past Due
Bucket
AR Aging Report
Stop managing aging reports. Let AI collect for you. AgentCollect deploys one AI agent per overdue invoice. Accounts in your 60+ and 90+ buckets get dedicated multi-channel outreach (email, phone, SMS) starting immediately. Approximately 50% recovery rate within 20 days. Up to 85,000 recoveries per day.
How It Works
What Is an AR Aging Report?
An accounts receivable aging report is a financial document that groups your outstanding invoices into time-based buckets based on how long they have been past due. It is the primary tool that CFOs, controllers, and AR managers use to monitor collection effectiveness, identify problem accounts, and prioritize follow-up.
The standard aging buckets are Current (not yet due), 1-30 days past due, 31-60 days, 61-90 days, and 90+ days. Each bucket represents increasing collection difficulty. Invoices under 30 days past due recover at 80-90%, while invoices over 90 days drop to 20-30% recovery rates.
This free tool lets you build an aging report from scratch. Enter your invoices, and the tool automatically calculates days past due, assigns each invoice to the correct aging bucket, and generates a visual summary you can download as CSV for your records or to share with your team.
Benchmarks
Healthy AR Distribution
Aging Bucket
Healthy %
Recovery Rate
Action
Current
60-70%
95%+
Standard invoicing process
1-30 days
15-25%
80-90%
Friendly reminder email
31-60 days
5-10%
60-70%
Phone call + escalation
61-90 days
2-5%
40-50%
Formal demand + collection agent
90+ days
< 5%
20-30%
Attorney letter + AI collection
If more than 10% of your total AR sits in the 90+ day bucket, it signals a systemic collections problem that manual processes alone cannot solve. AI collection agents can work hundreds of aged accounts simultaneously without adding headcount.
FAQ
Frequently Asked Questions
What is an accounts receivable aging report?
An accounts receivable aging report categorizes outstanding invoices by how long they have been unpaid. Standard aging buckets are Current (not yet due), 1-30 days past due, 31-60 days, 61-90 days, and 90+ days. It helps businesses identify which invoices need immediate attention and measure the health of their AR portfolio.
Why is the aging report important for collections?
The aging report is the single most important tool for prioritizing collection efforts. Invoices aged 90+ days have only a 20-30% chance of recovery, while invoices under 30 days past due recover at 80-90%. Reviewing your aging report weekly ensures you catch problems early when they are still fixable.
How often should I run an aging report?
Best practice is weekly for active collections and at minimum monthly for management review. Running it weekly lets you catch newly past-due invoices before they age into harder-to-collect buckets. Most CFOs review the aging report every Monday morning as part of their cash flow management routine.
What percentage of AR should be in the 90+ bucket?
Healthy companies keep less than 5% of total AR in the 90+ day bucket. If more than 10% of your receivables are aged past 90 days, it signals a systemic collections problem. At that point, consider automated AI collection agents that can work hundreds of aged accounts simultaneously without adding headcount.
How does AI collection reduce aging?
AI collection agents contact debtors automatically the moment an invoice goes past due, using personalized multi-channel outreach across email, phone, and SMS. AgentCollect recovers approximately 50% of outstanding invoices within 20 days. By catching accounts early and working them persistently, AI prevents invoices from aging into the 60+ and 90+ buckets where recovery rates drop significantly.