A/R Aging Calculator

Enter your aging buckets to get total A/R, each bucket’s share, and the over-90 percentage that signals collection risk.

Reading an aging report as one number

An aging report spreads receivables across time buckets — and buried in it is the single figure that predicts collection trouble: the share of A/R older than 90 days, where every additional month of age measurably cuts what ultimately collects. Enter the five bucket balances and this calculator returns the total, each bucket’s percentage, and the over-90 share with its benchmark reading.

How to use it

  1. Pull the aging report and enter each bucket’s balance.
  2. Read the total and the distribution.
  3. Watch the over-90 percentage — it’s the risk gauge.

The key ratio

over-90 share = (91–120 + over-120) ÷ total A/R

A worked example

Buckets of $420K, $280K, $175K, $110K and $331K total $1,316,000 — with $441K, or 33.5%, over 90 days. That’s well past the 25% warning line: healthy revenue cycles keep over-90 under 15–20%, because receivables that old collect at sharply falling rates. The oldest bucket dominating the tail like this usually means denials and patient balances that stopped being worked — the aging tells you where to dig, not just how much.

Estimates only — payer contracts, plan documents, published fee schedules and the EOB are the source of truth, and nothing here is billing, legal or medical advice. The calculator runs entirely in your browser: no patient data is entered, transmitted or stored.

Common questions

Aged from service date or billing date?
Both conventions exist; service-date aging is harsher and more honest about total delay. Whichever you use, keep it constant — mixed conventions make trends meaningless.
What over-90 share is acceptable?
Common benchmarks put healthy practices under 15–20%; above 25% signals systematic non-working of old claims. Payer mix moves the bar — heavy workers’ comp ages slower by nature.
Should the oldest bucket just be written off?
Not blindly — triage it: appealable denials and underpayments first, true bad debt last. The write-off decision deserves the same analysis as the collection effort.