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Collection efficiency, cure rate and roll-forward rate calculator.

Work out collection efficiency for a month, and the cure and roll-forward rates for one bucket.

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Collection efficiency–
Cure rate–
Roll-forward rate–
Accounts neither cured nor rolled–

Runs in your browser; nothing is sent anywhere. Definitions vary by lender; use the ones in your MIS.

How it is calculated

Collection efficiency = amount collected ÷ amount due × 100. Cure rate = accounts that returned to current ÷ accounts in the bucket at the start × 100. Roll-forward rate = accounts that moved to the next bucket ÷ accounts in the bucket at the start × 100. Lenders define these slightly differently, for example whether arrears and advance payments are included in collection efficiency; use the definitions in your own MIS. Read collection strategy by DPD bucket.

Questions

How is collection efficiency calculated?

Amount collected divided by amount due for the period, as a percentage. Lenders differ on whether arrears and advance payments are included.

What is cure rate in collections?

The share of accounts in a bucket at the start of the period that returned to current by the end.

What is roll-forward rate?

The share of accounts in a bucket that moved into the next, more delinquent bucket during the period.

See it on your own data. AutoCollect — The right borrower, the right channel. Book a 30-minute working session with an engineer.

General guidance, current as of the date above. Figures and examples are illustrative unless a source is linked.