Free receivables calculator

Aging reserve helper (policy) Calculator

Older invoices are harder to collect. Enter your AR by age to see what fixed policy rates imply — an orientation helper, not your booked reserve.

Illustrative / educational only. Enter your own numbers — this calculator does not use your DueClarity account data, and its outputs are hypothetical (not evidence from an uploaded AR file).

Your AR by age

Current (not yet due)

1-30 days past due

31-60 days past due

61-90 days past due

90+ days past due

Results

Total AR$437,750

Policy aging reserve helper$31,100

Helper as % of AR7.1%

Breakdown by aging bucket

Current (0.5% rate)$500

1-30 days (2.0% rate)$3,000

31-60 days (5.0% rate)$5,000

61-90 days (15.0% rate)$7,500

90+ days (40.0% rate)$15,100

Undated / No due date (0.0% rate)$0

Reserve helper by aging bucket

Save these results

Download a PDF of this calculation — account required.

What this means

Using fixed aging-based policy rates (0.5% current, 2% for 1-30 days, 5% for 31-60 days, 15% for 61-90 days, and 40% for 90+ days), this helper implies about $31,100 of your $437,750 in receivables for discussion and prioritization. It is not your booked bad-debt reserve or a GAAP allowance — use it to orient conversations, then apply your own company rates.

DueClarity compares each AR upload to your last one — what changed, who to prioritize, and what to do next.

Upload a CSV aging export — DueClarity ranks your receivables, explains changes upload-over-upload, and recommends next actions.

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