AR insights

AR insights turn your unpaid invoices into something actionable: an aging view, a top-debtor list, and a collection trend chart you can use to track whether your chase effort is actually working.

Any paid plan

AR insights are part of the KPI dashboard, which is part of the app — available on any paid plan (Pocket and up). On the Free plan, point your agent at the agentic API instead; the in-app dashboard prompts you to upgrade.

Aging buckets

Every unpaid invoice is slotted into a bucket based on days past due:

Bucket	Description
Current	Not yet due
1–30	1 to 30 days past due
31–60	31 to 60 days past due
61–90	61 to 90 days past due
90+	Over 90 days past due

Totals are shown both as dollar amounts and as a percentage of total AR, so you can tell at a glance whether your book is aging.

The aging table

Below the totals, a table lists every customer with outstanding invoices, with columns for each bucket and a Total column on the right. You can:

• Sort by any bucket — useful for surfacing the oldest debt.
• Search to narrow the list.
• Click a customer to drill into the individual invoices in each bucket.

Top-debtor drill-down

Clicking a customer opens a side panel with:

• The invoices they owe, grouped by bucket, each with issue date, due date, days past due, and amount.
• A collection notes area where you can log chase attempts (called, left voicemail, emailed, promised to pay by X).
• A small payment history chart showing their typical payment lag — useful for setting realistic expectations on when they'll actually pay.

Aging heatmap

Above the table, the heatmap gives a single-glance view of risk concentration: customers down the Y axis, buckets across the X axis, cells shaded by dollar amount. A handful of dark cells in the 61–90 and 90+ columns is your cue that those accounts need attention first.

Collection trend

The Collection trend chart tracks what percentage of each month's invoices got paid within 30, 60, and 90 days, going back as far as Xero has data. A healthy book shows a high 30-day line that's trending stable or up. A line bending down means collections are slipping.

Setting collection targets

Click Set targets in the AR page header to define:

• A target collection time (in days) — Cash Runway computes the average number of days customers are taking to pay (sometimes called DSO, Days Sales Outstanding) and shows whether you're on track or slipping past the target.
• A maximum aging share (e.g. "keep over-90 below 5% of unpaid invoices") — surfaces a warning when too much of your accounts receivable is sitting in the oldest bucket.

Once a target is set, the dashboard's AR collection tile shows a red/amber/green chip against each target so you know at a glance whether you're on track. The amber threshold is 15% past target; red is anything beyond that. The dashboard's "What needs your attention" panel also surfaces a warning insight when actuals slip into the amber or red band, so a slow week doesn't sit unnoticed.

Both targets are independent — set one, the other, or both. Clearing a target hides its chip and silences the matching insight.

Admin only

Only owners and admins can set or clear collection targets. Viewers see the chips on the dashboard but can't edit the targets themselves.

Exporting

Click Export for a PDF (statement-style) or CSV (for Excel/Sheets) of the current aging view. Both are generated via the storage adapter and land in your downloads folder in a few seconds.

Related

• Your first forecast — AR feeds directly into the forecast's inflow rows.
• Scenarios — the Worst scenario applies a haircut to invoices past a threshold, which is driven by the aging data on this page.