What is an accounts payable aging report?

An accounts payable (AP) aging report lists open vendor bills grouped by how long they have been unpaid relative to their due dates. Traditional buckets include Current (not yet due), 1–30 days past due, 31–60, 61–90, and 90+ days past due.

What is the difference between bill age and days past due?

Bill age measures days since the vendor bill was issued (Report Date − Bill Date). Days past due measures only days after the due date (Report Date − Due Date). A bill issued 15 days ago on Net 30 terms is Current with age 15 and 0 days past due.

Is my financial data stored on a server?

No. This tracker runs entirely in your web browser. All ledger data is saved locally on your device using localStorage. Your business financial details are never sent to a server or shared with anyone.

How do you handle paid bills in the tracker?

Toggle any bill between Open and Paid. Paid bills stay in the ledger for reference but drop out of payable totals, aging buckets, vendor concentration, cash-needed stats, and the payment priority queue.

Accounts payable aging tracker

Track open vendor bills, age them into Current through 90+ buckets, and build a payment priority queue so you know what cash is due this week and what can wait.

Groups open payables into Current, 1–30, 31–60, 61–90, and 90+ day buckets.
Calculates days past due and cash needed by bucket as of any report date.
Flags vendor concentration risk and ranks which bills to pay first.
Exports CSV, copies a payment summary, prints, and saves the ledger in your browser only.

Payables Workbench

Local Ledger (Saved)

Total Payable $0.00

Past Due $0.00

Bills (Past Due) 0 (0 past due)

Due Within 7 Days $0.00

Due Within 30 Days $0.00

Top Vendor Share

Aging Bucket Distribution

Current: $0.00 (0%)
1–30 Days: $0.00 (0%)
31–60 Days: $0.00 (0%)
61–90 Days: $0.00 (0%)
90+ Days: $0.00 (0%)

Please fix the following problems:

Ledger & Action Center

Bill Aging Ledger

Vendor	Bill #	Category	Amount	Bill Date	Due Date	Age	Past Due	Bucket	Action / Controls

Payment Priority Queue

Bill / Vendor	Amount	Urgency

Vendor Concentration

Vendor	Outstanding	% Total

Are you sure you want to permanently delete all invoices in this ledger? This action cannot be undone.

How accounts payable aging works

Aging reports categorize open vendor bills by time past due. Those buckets drive payment priority and short-term cash planning.

Standard Aging Intervals

Most businesses classify unpaid payables into five time-based categories relative to their due dates:

Current: Bills not yet due, or due today. Monitor cash and schedule payment before the due date.
1–30 Days Overdue: Slightly past due. Pay soon to avoid late fees, credit holds, or strained vendor relationships.
31–60 Days Past Due: Materially past due. Contact the vendor, confirm any disputes, and schedule payment to protect terms.
61–90 Days Overdue: High relationship and credit risk. Prioritize payment or negotiate a short schedule in writing.
90+ Days Overdue: Critical past due. Risk of service cutoff, collections, or damaged credit — pay first unless disputed.

Bill Age Formula: Bill Age = Report Date − Bill Date (in days)
Days Past Due Formula: Days Past Due = max(0, Report Date − Due Date) (in days)

Payment strategy by aging bucket

Practical guidance for deciding what to pay first while protecting cash and vendor credit.

Current & 1–30 Days Past Due

For Current bills, confirm the bill is accurate, match it to a purchase order when you use one, and schedule payment before the due date. For bills 1–30 days past due, pay promptly or tell the vendor the payment date to avoid late fees and holds.

31–60 Days Past Due

Treat these as priority payments. Call or email the vendor, confirm there is no dispute or missing paperwork, and either pay or document a short payment plan. Leaving 31–60 day bills unpaid often triggers stricter credit terms.

61–90+ Days Past Due

These are emergency cash decisions. Pay critical utilities, inventory suppliers, and sole-source vendors first. For disputed amounts, document the dispute in writing. For undisputed 90+ day bills, pay immediately or negotiate terms before service cutoff or collections.

Worked example using typical vendor bills

Compare how different bill dates and Net terms place open payables in different aging buckets.

Fictional Payable Review

Here is how six typical vendor bills would sit in an aging report run on July 19, 2026:

Apex Packaging Co (PO-5510): Current Amount: $2,750 | Bill date: Jul 9, 2026 | Due: Jul 29, 2026. Age: 10 days. Past due: 0. Category: Inventory.
Midwest Office Supply (BILL-2201): 1–30 Days Past Due Amount: $1,850 | Bill date: Jun 14, 2026 | Due: Jul 14, 2026. Age: 35 days. Past due: 5. Category: Office.
CloudHost SaaS (BILL-8842): 31–60 Days Past Due Amount: $4,200 | Bill date: May 15, 2026 | Due: Jun 14, 2026. Age: 65 days. Past due: 35. Category: Software.
River City Utilities (UTIL-331): 61–90 Days Past Due Amount: $960 | Bill date: Apr 15, 2026 | Due: May 15, 2026. Age: 95 days. Past due: 65. Category: Utilities — prioritize.
Northline Freight (FRT-1188): 90+ Days Past Due Amount: $6,400 | Bill date: Mar 16, 2026 | Due: Apr 15, 2026. Age: 125 days. Past due: 95. Category: Logistics — urgent.
Brightline Contractors (CON-902): Paid (Excluded) Amount: $5,100 | Status: Paid. Excluded from payable totals, aging buckets, and payment queue.

AP aging FAQ

Answers to common questions about managing vendor bills and short-term cash outbound.

How often should small businesses run an AP aging report?

Weekly is ideal for most small businesses. A Monday AP aging pass shows what is due this week, what is already past due, and whether one vendor is absorbing too much of your cash.

What payment terms do US vendors usually offer?

Net 30 is the most common vendor term (due 30 days after the bill date). You will also see Due on Receipt, Net 15, Net 45, Net 60, and early-pay discounts such as 2/10 Net 30. Always confirm terms on the bill or purchase order.

Why is vendor concentration risk important?

Vendor concentration measures how much of your open payables sits with one supplier. If one vendor is 40%+ of AP and raises prices or tightens terms, your cash plan can break. Track concentration so you can diversify critical suppliers over time.

What if a vendor charges late fees on my overdue bills?

Many vendor contracts allow late fees or interest after the due date. Check the bill and your agreement. If you need to estimate late charges on receivables you issue to customers, use our Invoice Late Fee Calculator.

Pair AP aging with receivables, runway, and vendor decision tools.