---
key: see-who-owes-you-money-and-how-late-it-is
title: See who owes you money and how late it is
audience: staff
section: insights
routes: ["/insights/finance/accounts-receivable", "/insights/finance/accounts-receivable/aging", "/insights/finance/accounts-receivable/trends", "/insights/finance/accounts-receivable/summary"]
permissions: ["billing.reporting.read"]
features: ["billing.reporting"]
since: 0.0.1
updated: 0.0.1
status: published
summary: Use the A/R Summary, A/R Aging and Overdue Trends reports to see the total owed, how much is overdue, how old the balances are and whether the picture is getting better or worse.
keywords: [accounts receivable, AR, aging, overdue, past due, money owed, outstanding balance, 30 60 90 days, collections]
related: [find-the-accounts-with-the-biggest-overdue-balances, see-your-finance-numbers-at-a-glance, generate-a-statement, send-payment-reminders-automatically]
---

In the sidebar, open **Reports**, then **Receivables**, then **A/R Summary**. Three pages answer this question: **A/R Summary** at `/insights/finance/accounts-receivable`, **A/R Aging** at `/insights/finance/accounts-receivable/aging` and **Overdue Trends** at `/insights/finance/accounts-receivable/trends`.

## Before you start

- Your admin has to give your role permission to view finance reporting.
- All three pages have the same **Scope filters**. Moving to another page with the links at the bottom starts it on its own default range, so set the filters again on each page you open.

## Steps

1. Open **A/R Summary**. Set **Date range (start)** and **Date range (end)**; the balances are worked out as of the end date.
2. To look at one part of the business, pick a **Branch**, an **Effective / payer account** (the account that gets the bill) or a **Source account** (the account the work was done for). Choose a **Currency focus** if you bill in more than one currency.
3. Read **Executive KPIs**, then scroll to **Aging snapshot** for the totals by age.
4. Press **Aging view** under **Drilldowns** to open **A/R Aging**, which shows only the age buckets, one group per currency, with the date the balances are taken from.
5. Press **Overdue trends** to open **Overdue Trends** and compare this period with the one before it.
6. Press **A/R detail** on any of the three pages when you need the account-by-account list. See [[find-the-accounts-with-the-biggest-overdue-balances]].

## What you see

- On **A/R Summary**: **Open balance** (everything owed), **Overdue balance** (the past-due part), **Unapplied cash** (money received but not matched to an invoice), **Available credits**, **Disputes** with the number of promises to pay, and **Overdue documents**.
- The age buckets are Current, 1-30 days, 31-60 days, 61-90 days and 90+ days. Each shows the amount and how many invoices, statements or other documents are in it.
- On **Overdue Trends**: the **Overdue trend snapshot** cards show **Open balance** and **Overdue balance** with the change since the prior period, **Overdue rate** (the overdue share of everything owed) and **Promise-to-pay** with the number of disputes flagged. **Trend points** lists open, overdue and rate for each point in the range, and **Aging shift** compares each bucket with the prior period.
- Under **Operator actions**, a green chip says how fresh the numbers are, and you can export the report. See [[export-a-finance-report]].

## If something looks different

- **No open receivables**: nothing in the scope is owed. Widen the dates or clear the account filters.
- **No aging buckets are available for this scope yet.**: the balances have not loaded, or the filters leave nothing to age.
- The filter footer turns red with a date message: the end date is before the start date. Fix the dates and the report reloads.
- Amounts are listed per currency with no combined total: you have more than one currency in scope. Pick one under **Currency focus** to compare periods.

[[route:/insights/finance/accounts-receivable|Open A/R Summary]]