Stop guessing what customers owe
Bring every unpaid and partially paid invoice into one view instead of piecing balances together from WhatsApp, invoices and memory.
Free business template
Accounts Receivable
Tracker
The sale is done. The money still is not in your account.
Track unpaid invoices, partial payments, overdue balances and customer follow ups in one clear view. Use this free Accounts Receivable Tracker to see what is owed, what is late and which balances need attention before they become a cash flow problem.
Free to use. No sign up required.
Accounts Receivable Tracker
Your Business Name · September 2026
| Customer | Invoice | Invoice date | Due date | Amount | Paid | Balance | Days late | Aging | Status |
|---|---|---|---|---|---|---|---|---|---|
| Amani Interiors | INV-1048 | 10 Sep 2026 | 17 Sep 2026 | 85,000 | 35,000 | 50,000 | 8 | 1 to 30 | Overdue |
| Kijani Studio | INV-1057 | 15 Sep 2026 | 29 Sep 2026 | 120,000 | 40,000 | 80,000 | 0 | Current | Due soon |
| Mara Retail | INV-1029 | 12 Aug 2026 | 26 Aug 2026 | 54,000 | 26,000 | 28,000 | 30 | 1 to 30 | Overdue |
| Kibo Foods | INV-1011 | 01 Jul 2026 | 15 Jul 2026 | 96,000 | 0 | 96,000 | 72 | 61 to 90 | Overdue |
Know what should already be in your account
Separate money that is still within agreed payment terms from money that is late and already putting pressure on your cash.
Spot debt that is getting harder to collect
See balances moving from current to 30, 60 and 90+ days before old debt quietly becomes normal.
See the real balance, not the original invoice
Record every partial payment so you always know what is actually left to collect.
Turn follow ups into a system
Know who needs a reminder today, who needs escalation and which large balances deserve attention before they become a cash problem.
You did the work. You made the sale. Now make sure you get paid.
The tracker turns scattered invoices, promises to pay and partial payments into one clear collection view. You can see the money still outside the business and exactly where to focus next.
Customer name
Invoice number
Invoice date
Payment due date
Invoice amount
Payments received
Outstanding balance
Days overdue
Receivables aging bucket
Payment status
Next follow up date
Automatic summary totals
Choose one format that works for you.
Google SheetsUse it online
Update customer balances in your browser, access the tracker from different devices and share it with your team if you need to.
The live Google Sheets link will appear here after delivery is approved.Microsoft ExcelDownload the spreadsheet
Prefer working from your computer? Download the Excel version and keep your receivables tracker offline.
The spreadsheet file will appear here after the secure download approach is approved.Stop letting unpaid invoices disappear into the background.
The worst time to discover customers owe you money is when you urgently need that money. Keep every balance visible, know what is late and follow up before the gap becomes painful.
Add the invoice
When you make a credit sale, record the customer, invoice number, invoice amount and due date immediately.
| Invoice | Amount |
|---|---|
| INV-1048 | 85,000 |
| Due 17 Sep 2026 |
If the customer paid in full immediately, it is not an outstanding receivable.
Record every payment
Update the amount paid whenever money comes in. The remaining balance should reduce until the invoice is fully settled.
| Payment position | Amount |
|---|---|
| Invoice total | 85,000 |
| Paid | 35,000 |
| Balance | 50,000 |
Work the overdue list
Do not chase every customer randomly. Start with overdue balances, the largest exposures and the oldest unpaid invoices.
| Customer | Amount |
|---|---|
| Kibo Foods | 72 days |
| Mara Retail | 30 days |
| Amani Interiors | 8 days |
Review aging every week
Watch how much money is moving into older aging buckets. That is where slow collections start becoming a cash flow problem.
| Aging | Amount |
|---|---|
| Current | 80,000 |
| 1 to 30 | 142,000 |
| 61 to 90 | 96,000 |
| Total | 318,000 |
Your sales can look healthy while your bank balance tells a different story.
What are Accounts Receivable?
Accounts receivable is money customers still owe you for sales you have already made. That revenue may already appear in your numbers, but until the customer pays, it cannot fund your next stock order, salary run, supplier payment or growth decision.
How much of my revenue is still sitting outside the business?
That is the number too many businesses only discover when cash gets tight. A strong receivables tracker shows what was invoiced, what has been collected, what remains unpaid, how late it is and which balances are becoming risky. The goal is not better record keeping for its own sake. The goal is getting more of the money you already earned back into the business.
Frequently asked questions
Is this Accounts Receivable Tracker free?
Yes. The tracker is free to use. You can use the Google Sheets version online or download the Excel version when those delivery links are available.
What should I track in accounts receivable?
At minimum, track the customer, invoice number, invoice date, due date, invoice amount, payments received, outstanding balance, days overdue, aging bucket, status and next follow up date.
How do partial payments work in the tracker?
Record the amount received against the invoice. The outstanding balance becomes the invoice amount minus all payments received. Keep the invoice open until the remaining balance reaches zero.
What is accounts receivable aging?
Aging groups unpaid balances by how long they have been outstanding. Common buckets are current, 1 to 30 days overdue, 31 to 60 days, 61 to 90 days and more than 90 days.
How often should I update the tracker?
Update it whenever you issue a credit invoice, receive a payment or agree on a different payment date. Review the overdue list at least weekly so slow balances do not disappear from view.
Should I include cash sales in accounts receivable?
No. If the customer paid the full amount immediately, there is no outstanding receivable. Use this tracker for unpaid and partially paid customer balances.