Age Receivables into 30/60/90 Buckets

Excel Formulas › Business

All versionsTODAY

Which invoices are 30, 60, or 90+ days late? Subtract the invoice date from today, then bucket the days into aging bands — the backbone of any accounts-receivable report.

Quick formula: for an invoice date in B2 (unpaid):
=IFS(TODAY()-B2<=30,"0-30", TODAY()-B2<=60,"31-60", TODAY()-B2<=90,"61-90", TRUE,"90+")
TODAY()−B2 is the age in days; IFS drops it into the right bucket from youngest to oldest.

Functions used (tap for the full reference guide):

TODAYIFS

The example

Invoices aged relative to today (June 17, 2026).

ABC
1InvoiceDateBucket
2#1016/1/20260-30
3#1024/20/202631-60
4#1032/10/202690+

The formula

Bucket each invoice by age:

=IFS(TODAY()-B2<=30,"0-30", TODAY()-B2<=60,"31-60", TODAY()-B2<=90,"61-90", TRUE,"90+")

How it works

Compute the age, then classify it:

  1. The age is TODAY() − invoiceDate — a number of days.
  2. IFS checks the bands from youngest to oldest; the first TRUE wins, so an invoice can’t land in two buckets.
  3. The final TRUE, "90+" catches everything older than 90 days.
  4. To total the dollars per bucket, use SUMIF against the bucket column, or skip the label and SUMIFS on the age directly.

Sum each bucket without a helper column: =SUMIFS(amount, dates, ">="&TODAY()-60, dates, "<"&TODAY()-30) totals the 31–60 band straight from the dates. Build a tidy aging summary with one such formula per bucket.

Try it: interactive demo

Live demo

Pick an invoice date; see its aging bucket.

Age · Bucket

Variations

Sum a bucket (no helper)

Totals 31-60 days straight from dates:

=SUMIFS(amt, dt, ">="&TODAY()-60, dt, "<"&TODAY()-30)

Days overdue number

Just the age:

=TODAY() - B2

Use the due date

Age from due, not invoice date:

=TODAY() - dueDate

Pitfalls & errors

Define “age from”. Aging from the invoice date and from the due date give different buckets. Pick the one your terms imply.

IFS order matters. Test bands youngest-first; reversing them puts everything in the first band that’s TRUE.

Exclude paid invoices. Age only open items, or filter/blank the bucket when an invoice is marked paid.

Practice workbook

📊
Download the free Age Receivables into 30/60/90 Buckets practice workbook
An AR aging sheet with the IFS bucketer, the SUMIFS-per-bucket, days-overdue, and due-date variants, plus 4 challenges with answers. No sign-up required.

Frequently asked questions

How do I age receivables into buckets in Excel?
Compute age as TODAY()-invoiceDate, then bucket with IFS: =IFS(age<=30,"0-30", age<=60,"31-60", age<=90,"61-90", TRUE,"90+").
How do I total each aging bucket?
Use SUMIFS on the dates, e.g. =SUMIFS(amount, dates, ">="&TODAY()-60, dates, "<"&TODAY()-30) for the 31-60 band — no helper column needed.
Should I age from the invoice date or the due date?
Either works, but be consistent. Aging from the due date reflects how overdue a payment is; aging from the invoice date reflects time since billing.

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Related formulas: Days until a date · SUMIFS multiple criteria · Highlight dates due

Function references: TODAY · IFS