--- title: "18 Free Accounts Receivable Calculators: DSO, Aging, Net 30" description: "Free calculators for accounts receivable and working capital. Work out DSO, AR turnover, aging, collection efficiency, cash conversion cycle, payment terms and late payment interest." url: https://www.paidnice.com/calculators --- # Accounts receivable calculators 18 free calculators for the numbers that decide whether you get paid on time: how long collection takes, what it costs you, and what your terms are really worth. No sign up, and nothing is sent anywhere. Getting paidWorking capitalTermsInterestTrade and imports Document generators Guides and data ## Getting paid How fast money comes in, which balances are stuck, and what the delay costs. DSO Calculator How many days you wait to get paid, four ways. AR Turnover Calculator Collection speed as a ratio rather than days. AR Aging Analysis See which balances are driving your DSO. Collection Efficiency (CEI) How much of what was collectable you actually collected. Bad Debt Expense Calculator Allowance for doubtful accounts and the journal entry. ## Working capital The cycle from paying a supplier to banking the cash from the sale. Cash Conversion Cycle Calculator Combine DSO, inventory days and payables days. Days Payable Outstanding Calculator How long you take to pay your own suppliers. Inventory Days on Hand Calculator How long stock sits before it sells. Invoice Factoring Calculator The true cost of factoring against waiting. ## Terms Due dates, discounts, installments and what the law allows on a late invoice. Net 30 Calculator Due dates, late fees and early payment discounts. Payment Plan Calculator Installments, schedules and interest. Early Payment Discount Calculator The real annual cost of 2/10 net 30. Statute of Limitations on Debt Whether a debt is still legally collectable, by US state. ## Interest Late Payment Interest Calculator Interest and compensation on an overdue invoice. UK Statutory Interest Calculator Bank of England base rate plus 8 percent. EU Late Payment Directive Calculator Statutory interest under Directive 2011/7/EU. Maximum Interest Rate by State The legal ceiling on interest, and on your late fee, by US state. ## Trade and imports Duties and landed cost for goods entering the United States. US Tariff Calculator Import duties, tariffs and landed cost. ## Document generators Create the document itself, then download it. Free, and nothing is stored. Invoice GeneratorCreate and download a professional invoice.Quote GeneratorBuild a quote you can send the same day.Estimate GeneratorDraft an estimate before the work starts.Purchase Order GeneratorRaise a purchase order against a supplier.Credit Note GeneratorIssue a credit note against an invoice. ## Guides and data Background for the numbers the calculators produce. AR StatisticsPayment behavior data across markets.Collecting Unpaid InvoicesThe practices that actually recover money.Usury Laws by StateThe legal ceiling on interest, state by state.Late Fee Laws by StateWhat you can charge on an overdue invoice in each state.Invoicing Mistakes GuideThe errors that delay payment most often.State Economy RankingsEconomic data behind payment behavior by state.AR DictionaryPlain definitions for receivables terms. ## Start getting paid on time with Paidnice Connect Xero or QuickBooks and Paidnice prepares draft policies for you. Nothing runs until you approve them. Try it FreeBook a Demo [Rated 5 stars, 160+ reviews](https://www.paidnice.com/reviews) ยท [App of the Year](https://www.paidnice.com/blog/winner-xero-global-app-awards-2026)