Calculate your result
Use figures from the same period and currency. Avoid mixing estimates with verified amounts without noting the difference.
Privacy: This calculation runs in your browser. The figures you enter are not submitted to our server.
Why this matters
Aging alone does not determine which invoice should be chased first. Balance size, customer risk and broken promises can make a newer invoice more dangerous than an older small balance. The calculation helps decide which overdue account deserves the next collection action based on amount, age, customer risk and missed commitments. That distinction matters because a balance can appear as revenue or a receivable while the business still lacks spendable cash.
Use an up-to-date receivable aging report, accurate customer risk notes, documented payment promises and the outstanding balance after all credits and disputes. Reconcile the figure to the customer contract, invoices, credits and payments before relying on the result. Receivable guidance separates earned or billed revenue from cash actually collected. Contract terms, disputes, collectibility and local recovery law remain decisive. A calculator cannot determine whether an amount is legally due, collectible or properly recognized in the accounts. Include average monthly revenue so the outstanding balance is measured relative to the size of the business rather than by a raw currency amount.
How to act on the result
- Work the highest-priority accounts with a dated escalation sequence
- Resolve genuine service or billing disputes before repeating payment demands
- Reduce future credit limits for customers whose risk score rises
Use the output to create a dated collection or deposit decision. Record who will contact the customer, what evidence will be sent, what payment method is available and what happens if the commitment is missed. The strongest process removes ambiguity and applies the same escalation logic consistently.
Common mistakes and limits
Avoid inflating risk because a customer is slow but reliable, ignoring disputed invoices, or using the score as a substitute for contract and relationship judgment. The output is not a credit score, legal demand or expected-credit-loss calculation under IFRS 9 or U.S. GAAP. Those conclusions can require forward-looking data, accounting policy and professional judgment. Escalate material balances when promises repeatedly fail, contact stops, legal notices appear or the customer shows signs of financial distress.
What this calculator answers
Which overdue invoice deserves the first collection action?
Formula and assumptions
Priority score = value relative to monthly revenue (up to 35 points) + days overdue (up to 30) + customer risk (up to 20) + broken promises (up to 15).
The result is an estimate. It is only as reliable as the inputs, and it does not account for every tax, legal, financing or operational consequence.
Worked-example method
Use the prefilled sample values, calculate once, then replace every input with numbers from your records. The result will show a risk level, key measurements and one recommended next move.
How to interpret the result
- Low: no immediate gap or the entered position is comparatively protected.
- Medium: manageable pressure exists, but it should receive a dated correction plan.
- High: the problem can materially damage cash or operations and requires near-term action.
- Critical: the entered assumptions indicate immediate loss, shortage or survival risk.
Authoritative references
Sources provide general business and operational context. The formula and result are decision-support estimates created by Business Rescue Tools.
Frequently asked questions
What does this calculator tell me?
Which overdue invoice deserves the first collection action?
How is the result calculated?
Priority score = value relative to monthly revenue (up to 35 points) + days overdue (up to 30) + customer risk (up to 20) + broken promises (up to 15).
Should I make a major decision from this result alone?
No. Use the result to identify and quantify a problem, then verify the underlying records, assumptions and local legal or accounting requirements.
Does the site store the figures I enter?
This browser-based calculator runs in your browser and does not submit the figures to our server.