Bucket Delinquency Rate Calculator

Work out bucket delinquency rate instantly with clear inputs, formula shown and shareable results.

About Bucket Delinquency Rate Calculator

Delinquency is reported by bucket because the buckets behave very differently. The 30-plus rate is the standard early warning metric, since first-bucket delinquency includes a large share of administrative and self-curing cases.

Formula

Delinquency rates

Rate for each cut = sum of balances in that bucket and beyond / total portfolio

Worked example

With the default values below, Bucket Delinquency Rate Calculator returns 30 Days Past Due And Over of 2.0000%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Total Portfoliominimum 0: 900,000,000
Balance 1-30 Days Overdueminimum 0: 28,000,000
Balance 31-60 Days Overdueminimum 0: 12,000,000
Balance 61-90 Days Overdueminimum 0: 6,000,000

Results

30 Days Past Due And Over: 2.0000%
Total Delinquency Rate: 5.1111%
60 Days Past Due And Over: 0.6667%
Total Delinquent Balance: $46,000,000.00

Step by step

1Values used
2Delinquency rates
330 Days Past Due And Over= 2.0000
4Total Delinquency Rate= 5.1111
560 Days Past Due And Over= 0.6667
6Total Delinquent Balance= 46,000,000.00

Assumptions and limits

The result is derived only from the 4 inputs listed above. Anything not among them is not part of the calculation.
In particular, this calculator does not take inflation, tax, fees or charges or compounding frequency into account.
Figures are rounded for display to 4 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

Frequently Asked Questions

Why exclude the first bucket from the headline?

Because much of it is payment timing rather than credit stress, and it cures without intervention.

How does portfolio growth distort the ratio?

Rapid growth dilutes delinquency because new loans cannot yet be overdue — check on a static pool basis too.