Days Overdue Calculator
Know exactly where each invoice stands — and what to do next. Enter the invoice date and your payment terms to see how many days overdue the account is, with a recommended action tailored to its age.
How to read the result
The calculator computes the due date from the invoice date plus your payment terms, then counts the days between that due date and today. The recommended action escalates as the account ages:
- 1–14 days: A polite reminder — most late payments in this window are simple oversights.
- 15–30 days: A firm written reminder referencing the due date and any interest clause.
- 31–60 days: Issue a formal letter of demand with a 7-day deadline.
- 61–90 days: Refer to a debt recovery specialist — recovery rates drop significantly beyond this point.
- 90+ days: Escalate immediately — accounts this old have high write-off risk.
The cost of waiting
Every week an overdue account sits unpursued, the probability of recovery falls. Industry data consistently shows that accounts referred within 60 days have materially better outcomes than those referred at 90+ days. The calculator's urgency rating reflects this reality.
See also: Debt age impact calculator — model the exact impact of age on your recovery amount; Cost of late payment calculator — the finance and time cost of your current overdue ledger.
Action recommendations are general guidance only — not legal advice. The appropriate course of action depends on your specific circumstances. Limitation periods apply to debt claims; seek legal advice if you are unsure of your rights.
Every day overdue reduces your recovery chances.
Refer to Merion now — commission-only, no risk if we don't collect.