Who Owes You Money? AR Aging & Collections Tracker

A profitable business with slow-paying customers is a business that runs out of cash. Most owners chase whoever they happen to remember, feel awkward about it, and let the biggest, oldest invoices drift because that conversation is the hardest one. This tracker replaces the awkwardness with a list.

How it works

Type your open invoices — customer, number, date, amount, anything paid so far. Set your terms and your escalation ladder once. Everything else calculates:

• Days overdue and the aging bucket for every invoice
• What each late invoice is costing you, in dollars, today
• The next action for each one, from your own ladder — reminder, call, final notice, stop work
• A Call Sheet: the ten invoices doing you the most damage, ranked by size × age
• DSO, overdue share, over-60 share, and the annual cost of slow payment
• A verdict on your collections — healthy, slow, terms ignored, or collections problem
• By-customer totals so you can see who is chronically late

The scripts

Four rungs, four scripts. The day-3 email that assumes good faith and asks the one question that unblocks most late invoices. The day-14 phone call — including the instruction to stop talking after you ask when. The day-30 final notice that names a consequence and a date without burning the relationship. The day-60 stop-work message. Plus the five terms to set with new customers so you need the ladder less.

Built for

Contractors and trades · consultants and agencies · freelancers · anyone who invoices on terms and waits. Works with any accounting system, or none.

What you get

One .xlsx file, six tabs, instant download. Excel, Google Sheets, Apple Numbers, LibreOffice. No macros, no subscription. Set the as-of date to =TODAY() and it ages itself every time you open it.