--- type: Template title: Accounts Receivable Aging Report Template (Free Excel) description: A free accounts receivable aging report template for Excel and Google Sheets. Auto-bucketing formulas, sample data and a guide to reading it. Download and use today. resource: https://accounting.events/resources/accounts-receivable-aging-report-template/ tags: [accounts receivable aging report template, AR aging template, aging report excel template, accounts receivable aging schedule, free AR aging template] timestamp: 2026-10-19 --- AR Aging Template # Accounts receivable aging report template A free, ready-to-use aging report for Excel or Google Sheets. The buckets fill in automatically from each invoice due date, so you can see who to chase first in seconds. By [**Accounting.Events editorial team**](/about/)Updated **September 28, 2026****7 min read** Quick answer **An accounts receivable aging report template is a spreadsheet that lists every unpaid customer invoice and automatically sorts each balance into aging buckets: Current, 1 to 30, 31 to 60, 61 to 90, and 90+ days overdue.** You enter the customer, invoice date, due date, and amount, and the template calculates how overdue each invoice is and drops it into the right column. The totals at the bottom show how much of your receivables is healthy versus at risk. A strong book keeps about 80% or more current and under 10% in the 90+ bucket. The template below is free, works in Excel or Google Sheets, and comes pre-loaded with sample data you can replace with your own data. Set the report date once and every bucket recalculates from each invoice due date. Free AR aging report template Excel (.xlsx) with automatic aging formulas, or a plain CSV for any spreadsheet app. No sign-up. [Download Excel](/resources/accounts-receivable-aging-report-template/ar-aging-report-template.xlsx) [Download CSV](/resources/accounts-receivable-aging-report-template/ar-aging-report-template.csv) An aging report is the single most useful view of your receivables, because it turns a long list of unpaid invoices into a clear priority order. This template does the bucketing for you so your time goes on collecting. **Video:** [How to Build an Accounts Receivable Aging Report (Free Excel)](https://www.youtube.com/watch?v=qNAi-2Zj1NU) ## What is inside the template The workbook has two tabs: the aging report, pre-filled with eight sample invoices, and a short "How to use" guide. The report columns are: | Column | What you enter / what it does | | --- | --- | | **Customer** | The customer or account name | | **Invoice #** | Your invoice reference | | **Invoice date** | When the invoice was issued | | **Due date** | When payment is due (drives the aging) | | **Amount** | The invoice value outstanding | | **Days overdue** | Calculated automatically from the report date | | **Current / 1-30 / 31-60 / 61-90 / 90+** | The amount is auto-placed in the correct aging bucket | Here is the sample data the template ships with, using a report date of 31 May 2026, so you can see the finished output before you add your own data. | Customer | Current | 1-30 | 31-60 | 61-90 | 90+ | Total | | --- | --- | --- | --- | --- | --- | --- | | Northwind Trading | 4,200 | 1,500 | 0 | 0 | 0 | 5,700 | | Blue Mountain Cafe | 0 | 980 | 980 | 0 | 0 | 1,960 | | Harbor Logistics | 8,000 | 0 | 0 | 3,200 | 0 | 11,200 | | Vertex Builders | 0 | 0 | 0 | 0 | 6,500 | 6,500 | | Sunrise Retail | 2,400 | 0 | 0 | 0 | 0 | 2,400 | | Total | 14,600 | 2,480 | 980 | 3,200 | 6,500 | 27,760 | | % of AR | 52.6% | 8.9% | 3.5% | 11.5% | 23.4% | 100% | We break down how to interpret this exact output, customer by customer, in our [accounts receivable report example](/resources/accounts-receivable-report-example/). ## How do I create an AR aging report in Excel? Download the template above and replace the sample rows with your own open invoices, or build one from scratch: create columns for customer, invoice date, due date, and amount, then add a "days overdue" column with `=MAX(0, report_date - due_date)`. Use nested `IF` formulas to place each amount in a Current, 1-30, 31-60, 61-90, or 90+ column, and total each column at the bottom. The template already contains these formulas. ## Does the template work in Google Sheets? The template works in Google Sheets. Download the Excel file and open it in Google Sheets with File, then Import, then Upload, or use the CSV version and add the formulas. All the functions used (`MAX`, `IF`, `SUM`, `TODAY`) work identically in Excel and Google Sheets, so the aging buckets recalculate the same way in either app. ## What are the standard aging buckets? The conventional buckets are **Current** (not yet due), **1 to 30 days**, **31 to 60 days**, **61 to 90 days**, and **90+ days** past due. Some businesses add a 120+ bucket for very old debt. The buckets matter because collection probability drops at each step, from 95% or more when current to under 30% once an invoice passes 90 days. Source: [Crestmont Capital, AR aging data](https://www.crestmontcapital.com/blog/accounts-receivable-aging-data) ## How do I read the aging report? Read the aging report by bucket percentage as well as totals. A healthy book keeps roughly 80% or more current and under 10% in the 90+ column. Intuit QuickBooks' 2025 Late Payments Report found 47% of US small businesses have invoices more than 30 days overdue. Then work right to left: the largest balances in the oldest buckets are your first calls, because they are both high value and at the highest risk of becoming uncollectible. ## How often should I run it? Run the aging report every week or every month: most finance teams run it **weekly** for active collections and **monthly** for reporting and to estimate the allowance for doubtful accounts. Because the template recalculates from the report date, you can refresh it any time by changing one cell. ## Can I use this to estimate bad debt? You can estimate bad debt from the aging report, because the aging method applies a rising risk rate to each bucket (for example 1% current, 5% at 1 to 30 days, rising to 50% or more at 90+) and sums the result to estimate your allowance for doubtful accounts. That allowance reduces net receivables on the balance sheet and is recorded as bad debt expense. See [our accounts receivable report example] (/resources/accounts-receivable-report-example/) for the calculation. ## Related reading Independent software reviews and guides from Accounting.Events. [Resource ### Accounts receivable report example A fully annotated AR aging report and how to interpret it. Read more →](/resources/accounts-receivable-report-example/)[Template ### AR action plan template A collections cadence and tracker to clear the overdue balances this report surfaces. Read more →](/resources/accounts-receivable-action-plan-template/)[Buyer's guide ### Best accounts receivable software in 2026 Tools that generate aging reports and chase invoices automatically. Read more →](/reviews/best-accounts-receivable-software/) AE [Accounting.Events editorial team](/about/) The Accounting.Events editorial team researches and maintains the software comparisons on this site. Comparisons are built from published vendor pricing, verified third-party reviews on the Xero App Store, G2 and Capterra, and primary-source statistics. Every guide carries the date it was last checked. Figures here are drawn from public sources; always confirm with your accountant or the linked source before acting. Last updated September 28, 2026. This guide is general information, not accounting, tax, or financial advice.