Business
Receivables Ageing & Payment Reminders
Turn a list of unpaid invoices into a proper ageing report — 0–30, 31–60, 61–90, over 90 days, by customer — and get a reminder letter for each debtor that names their invoices and their total, with the tone stepping up the longer it has been. Runs in your browser; your debtors list is not uploaded.
Privacy
Your file never leaves your device. It is read and converted by your own browser, so nothing is uploaded, queued or logged — which is what makes this safe for a client’s books.
Tips
- The file can be anything your accounting package exports: a customer, an invoice number, a date and an amount is the minimum. Columns are matched by name and can be corrected.
- If there is no due date column, give the credit days you sell on and the due date is worked out from the invoice date. Where a row has its own due date, that one wins.
- Map the received or paid column and the balance is invoice minus received, so part payments age correctly instead of the whole invoice sitting in the oldest bucket.
- The buckets are yours to change. Businesses selling on 30 days usually want 0–30, 31–60, 61–90, 90+; on 60-day terms, shift them all. Anything not yet due is counted separately and never chased.
- The reminder letters step up on their own: a note for something a fortnight late, a firmer letter after six weeks, a final one beyond that. Read them before sending — they are drafts with your name on them, not ours.
- Nothing here is sent anywhere. The letters come back as a PDF to print or attach, and as a CSV if you would rather mail-merge them through your own email.
Frequently asked questions
What counts as overdue?
Days between the due date and the date you set as "as on", counting only whole days past. An invoice due today is not overdue; one due yesterday is one day overdue. Anything with a due date in the future sits under "Not yet due" and is left out of every reminder.
How is the average age worked out?
It is weighted by money, not by invoice count: a lakh sixty days late moves it far more than a thousand rupees ninety days late. That is the number worth watching month to month, and it is the one a bank asks about.
Are the letters legally safe to send?
They state facts — the invoices, the amounts, the dates, and what you would like to happen — and they make no threat. The final letter says the account will be put on hold and recovery considered, which is a statement of intent, not a legal notice. If you need a statutory demand or a notice under your own contract terms, that is a job for your solicitor or chartered accountant.
Can I add my payment terms or interest clause?
Yes — whatever you type into the terms line is printed under every letter, so an interest or late-payment clause from your own invoice terms goes in exactly as you word it. The tool does not calculate interest, because the rate and the entitlement depend on your contract and your jurisdiction.
Is my debtors list uploaded?
No. It is read, aged and written back out by your own browser. Customer names, amounts and contact details never leave the device.