Small Business Invoice Aging Tracker, Receivables Aging Spreadsheet Template Excel Google Sheets

Every small business that invoices customers faces the same problem: who owes me money, how much, and how late are they? Most business owners track this in email, a spreadsheet they built themselves, or memory. This workbook makes it simple. You list your unpaid invoices, enter a few details, and formulas automatically show you who is overdue, by how much, and organize them by age.

WHAT YOU GET (4 connected tabs)

START HERE: A one-page walkthrough of the whole workbook. What to fill in, what to leave alone, and exactly how to clear the example data when you are ready.

SETTINGS: Your business name and your currency symbol, entered once. The Invoices and Aging Summary tabs read these values from this sheet; nothing is hardcoded anywhere else. Change your currency symbol and every header and total on the other tabs follows automatically.

INVOICES: Every unpaid invoice, one row each. Invoice number, customer name, invoice date, due date, amount invoiced, and amount already paid. Enter a partial payment in the paid column and the balance due updates automatically. A formula calculates the number of days overdue and which age bucket the remaining balance belongs to (Current, 1-30 days, 31-60 days, 61-90 days, or 90+ days). You get 40 rows ready for your entries.

AGING SUMMARY: A complete overview with nothing to type. Shows the total amount outstanding, the number of open invoices, the amount in the 90+ days bucket, what percentage of your money is in that bucket, a full breakdown by age bucket (amount, percentage, count), and an analysis by customer showing how old each customer's debt is. Everything is a formula, so it updates the moment you add a row.

HOW IT WORKS

1. Open Settings and fill in your business name and currency symbol (once).
2. Go to Invoices and add a row for each unpaid invoice: the invoice number, customer name, dates, amount invoiced, and amount paid. The balance due, days overdue, and age bucket calculate automatically.
3. Check Aging Summary any time. Total outstanding, count of open invoices, the 90+ days total, the breakdown by age, and the breakdown by customer. All formulas, nothing to type.

WHAT YOU NEED

Microsoft Excel or Google Sheets with no macros, no add-ins, and no other software required. Colored cells are the only ones you ever touch; white cells are formulas. Nothing in this workbook is locked or password-protected, so you are always free to inspect or adjust a formula if you want to.

A note on Google Sheets: every formula in this workbook was checked individually and uses only functions Google Sheets also supports. No XLOOKUP, no dynamic arrays, nothing Excel-only. Upload it to Drive and open it with Google Sheets, not in Drive's preview window: the preview doesn't calculate, so a working file looks broken there. I build and test in Excel, so I won't promise you a pixel-perfect Sheets import. The customer dropdown on Invoices is worth a quick look after import, since the two programs render dropdowns differently.

WHAT THIS ISN'T

Not accounting software. This spreadsheet shows which invoices are outstanding and how old each one is. It doesn't predict cash flow, it doesn't forecast seasonal trends, it doesn't connect to your bank, and it doesn't replace a bookkeeper or accounting software.

Not an invoicing system. You list invoices you have already sent, you don't create them here. For creating invoices and maintaining an invoice log, the complete Small Business Finance Kit in this shop handles that.

One company per file. Aging Summary gives you the outstanding invoices for the business name entered in Settings. It doesn't track multiple companies in one file, and it doesn't total what a single customer owes across multiple business entities. Tracking a second company means saving a fresh copy.

Not a collections tool. This spreadsheet doesn't send payment reminders and it doesn't calculate late fees or interest. It shows you which invoices are overdue and tracks partial payments so you can take action yourself.

Not automatic. You enter invoice data yourself. Nothing syncs automatically from your invoicing software or payment system.

Not a subscription. One file, yours to keep, with no login and no recurring fee.

INSTANT DOWNLOAD AND LIVE EXAMPLE DATA

You get one .xlsx file, delivered immediately after purchase with no waiting for email. It arrives pre-filled with eight realistic example invoices so you can see every formula working before you enter your own data. Start Here tells you exactly which rows to clear first and which to leave alone. Before release, every formula in the workbook was recalculated in Excel and checked cell by cell; zero error values anywhere in the workbook.

The example invoices include dates that move with today's date. This means the workbook always displays a mix of current invoices, invoices 1-30 days late, invoices 31-60 days late, invoices 61-90 days late, and invoices over 90 days late, no matter what day you open it. You can see all five age buckets working in the Aging Summary before you log your first real invoice.