Free tool
Invoice aging calculator
Paste your unpaid invoices, one per line. Get the buckets, the amount past 30 days and, if you add labels, who owes you the most overdue money.
Result
Runs in your browser. Nothing you type is sent anywhere. Example numbers are invented (EXAMPLE VALUES). This is a calculator, not financial, tax or legal advice.
The formulas
age = report date - invoice date, in days buckets: 0 to 30, 31 to 60, 61 to 90, over 90 cash past 30 days = sum of invoices with age over 30 share = cash past 30 days / total unpaid
The age is counted from the invoice date, not the load date or the due date. If your customer's terms run from receipt of invoice and the POD, the clock may start later than the invoice date. Check the terms and use the label table, which counts days past your terms value.
What to do with the result
- Call the biggest overdue label first, but check you sent the paperwork they need.
- For invoices over 60 days, find out whether a short pay or a dispute is hiding behind the delay.
- Compare the share past 30 days from month to month. If it is rising, look at who changed.
- Use the same list with the broker payment delay tool once invoices are paid, to see who pays slowest.
More in the invoice aging guide.
Questions
Is my list stored?
No. It stays in this page in your browser. Reload and it is gone.
Should I paste real broker names?
It is your data in your browser, so you can. On this site we only use Broker A, Broker B and so on in examples.
Formula table
| Quantity | Formula | Note |
|---|---|---|
| Age | report date - invoice date, days | Calendar days. |
| Buckets | 0-30, 31-60, 61-90, over 90 | By age at the report date. |
| At risk | sum of unpaid older than 30 days | The headline number. |
Worked example (invented numbers)
Report date 2026-10-08 with six unpaid invoices. Four are older than 30 days: $2,450.00 (63 days), $1,150.00 (59 days), $980.00 (36 days) and $640.00 (110 days). The headline is their sum, $5,220.00. The chart shows every bucket.
What this means for you
Dollars older than 30 days are cash you are financing for someone else. The older the bucket, the lower the odds it is paid without a call. Start with the oldest bucket and the broker with the most dollars in it.
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