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Receivables Ageing Visualiser

Enter what you are owed and when you invoiced it. You get the ageing profile, your real collection days, and the part of your book the law is about to stop helping you recover.

How to use this

You will need: a list of invoices your customers have not paid, with the customer name, the amount outstanding, and the invoice date. Your outstanding report from Tally or your billing software has all three. Your largest fifteen or twenty debtors are enough to see the shape of the problem.

  1. Set the date to age againstToday is filled in for you. Change it if you are reproducing a position as at a month end or a year end.
  2. Add one row per invoiceEnter the customer, the amount still outstanding, and the date on the invoice. Enter the balance not yet received, not the original invoice value. Four rows are ready; use Add another for more, and the cross removes a row.
  3. Enter the same customer more than onceIf a customer has four unpaid invoices, enter four rows with the same name. The tool adds them together when working out how concentrated your book is, while still ageing each invoice separately.
  4. Age from the invoice dateNot the due date. Ageing from the invoice is the standard convention and it is also what the limitation calculation needs.
  5. Press Show my ageingYou get the bucket chart, your real collection days, your concentration, and a list of what the book is telling you.

Round figures are fine. Entering 2,45,000 as 2,45,000 or as 2,50,000 will not change the shape of the answer. Getting the dates right matters far more than getting the paise right.

What you are owed

Your largest debtors are enough — you do not need every invoice. Nothing leaves your browser.

Outstanding invoices

CustomerAmount ₹Invoice date
₹0
Take it with you

This is one snapshot.
We build the live version.

Krishwealth Trades gives growing businesses a monthly MIS dashboard, so these numbers update themselves instead of being worked out once a year.

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What your results mean

The ageing buckets
Your outstanding money grouped by how old it is. Buckets with nothing in them are hidden. The useful reading is not the total but the shape: a book weighted towards the first two buckets is healthy, one weighted towards the last three is a collection problem that has been running for a while.
Weighted collection days
How long, on average, each rupee you invoice stays out before it comes back, weighted by amount so that large invoices count more than small ones. This is a truer number than a simple average, because one large slow customer matters more than five small quick ones.
Share over 90 days
The proportion of your book past 90 days. Collection probability falls steeply beyond this point. Above a quarter of the book, the issue is usually a process that is missing rather than a few difficult customers.
Largest customer
What share of everything you are owed sits with one customer. Above 30 per cent, their payment cycle effectively sets yours, and their difficulty becomes yours whether or not you have done anything wrong.
Past limitation
Money outstanding more than three years. Under the Limitation Act 1963 a suit to recover the price of goods sold or services rendered must generally be filed within three years of the payment falling due. After that the debt still exists but the legal remedy to enforce it is barred, unless limitation was extended by a written acknowledgement of the debt or a part payment.
Indicative provision and likely collectable
An escalating percentage applied to each bucket, from nothing under 60 days to everything past three years, giving a rough view of what the book is really worth against what it says on paper. This is a matrix for discussion, not an accounting policy, and your own history should replace these percentages once you have enough of it.

This calculator gives an indicative estimate based only on the figures you enter. It is not professional advice and must not be relied upon for a filing, a loan application or any statutory position. All calculations run inside your browser and are never sent to Krishwealth Trades unless you choose to download a report.