Most bursars know which families owe money, but few can instantly say how deep the arrears go across the whole school. This tool turns a list of outstanding balances into a visual aging report - the same format a board or auditor expects to see.
The calculator
Add each family with an outstanding balance. The report groups them into aging buckets automatically.
Debt aging report
The aging buckets follow standard accounting practice: current (not yet due), 1-30 days, 31-60, 61-90, 91-120 and over 120 days overdue. Boards and auditors expect to see this breakdown in the management accounts.
How to use it
- Click "Load sample data" to see how the report works with realistic numbers, then clear it and enter your own.
- Add each family with their name, outstanding amount and how many days overdue. If a family is up to date, enter 0 days.
- Click "Generate report" to see the aging breakdown, bar chart and the families that need attention first.
- Present it: the summary cards and bar chart are designed to be screenshot-friendly for board packs.
How it works
Each family is sorted into one of six aging buckets based on their days overdue: Current (0 days), 1-30, 31-60, 61-90, 91-120, or 120+ days. The report shows the count and total Rand value in each bucket, the percentage of total debt, and a bar chart so you can see at a glance where the risk concentrates.
What to look for
If most of your debt sits in the 1-30 bucket, that is usually normal - parents who pay a few days late. But once balances start accumulating in the 60+ buckets, the probability of recovery drops sharply. The health badge flags this: "Healthy" means most debt is current or recent, "Watch" means 20%+ is past 60 days, and "Act" means more than a quarter of total debt is in the danger zone. For context, run the collection rate calculator alongside this to see the full picture.