AR Health Calculator

Calculate the real cost of unpaid invoices

Four numbers. Thirty seconds. Know exactly what late payments cost your business.

Total at Risk
$0
Total outstanding across all aging buckets
Annual Opportunity Cost
$0
What this money could earn if available (10% annual rate)
Estimated Recovery with Final Notice
$0
Based on industry-standard recovery rates by aging period

Methodology

  • 30-60 days: 95% recoverable (5% bad debt rate)
  • 60-90 days: 85% recoverable (15% bad debt rate)
  • 90-120 days: 70% recoverable (30% bad debt rate)
  • 120+ days: 50% recoverable (50% bad debt rate)

Recovery rates based on standard accounting aging methodology for bad debt estimation. Opportunity cost based on Australian SME cost of capital.

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