Finance

Accounts Receivable (AR)

Accounts receivable is money owed by customers for invoices issued but not yet paid. It affects cash flow and collections risk.

Updated 2026-01-23

Definition

Accounts receivable is money owed by customers for invoices issued but not yet paid. It affects cash flow and collections risk.

Example

If you invoice $100k this month but only collect $60k, AR increased by $40k, reducing cash even if revenue looked strong.

How to use it

  • High AR can create cash strain even with healthy revenue growth.
  • Improving collections (DSO) is one of the fastest levers to extend runway.

Why this matters

This term matters because cash timing and risk are usually the difference between a plan that works on paper and a plan that survives. Use consistent definitions so decisions are comparable over time.

Practical checklist

  • Write a 1-line definition for "Accounts Receivable (AR)" that your team will use consistently.
  • Keep the time window consistent (weekly/monthly/quarterly) when comparing trends.
  • Segment results (channel/plan/cohort) before drawing big conclusions from blended averages.
  • Sanity-check with a related calculator from the same category on MetricKit.
  • Read the related guide (e.g., Runway and burn: gross vs net burn, working capital, and cash levers) for context and common pitfalls.

Where to use this on MetricKit

Calculators

  • Break-even Revenue Calculator: Estimate the revenue needed to break even given fixed costs and gross margin.
  • NPV Calculator: Calculate net present value (NPV) from initial investment, annual cash flow, years, and discount rate.
  • IRR Calculator: Estimate internal rate of return (IRR) for an investment using yearly cash flows.
  • Discounted Payback Period Calculator: Estimate discounted payback period using a discount rate (and compare to simple payback).
  • Cash Runway Calculator: Estimate runway from cash balance, revenue, gross margin, and operating expenses (optionally with revenue growth).

Guides