Facts checked on 27 October 2026. Published by MDG Services on 26 October 2026.
Debtor days in plain words: on average, how many days of your credit sales are still waiting to be paid. For a petrol pump whose regular customers take diesel on credit.
Work out your debtor days
What it means
Debtor days = udhar outstanding today ÷ credit sales in the period × days in the period.
Your credit days are what you agreed. Debtor days is what happens in practice. At or below your credit days, transporters pay in time on average. Above them, some transporters pay late, and the further above, the later.
With made-up figures: Rs 4,50,000 outstanding, Rs 9,00,000 of credit sales in 90 days, 15 credit days given.
| Step | Working | Result |
|---|---|---|
| Credit sales a day | 9,00,000 ÷ 90 | Rs 10,000 |
| Debtor days | 4,50,000 ÷ 10,000 | 45 days |
| Outstanding expected at 15 days | 15 × 10,000 | Rs 1,50,000 |
| Waiting longer than agreed | 4,50,000 − 1,50,000 | Rs 3,00,000 |
Read it with care
- It is an average. One big late transporter can hide behind many on-time ones. Ageing shows each transporter's old money.
- It is rough when credit jumps. A big run of credit fills this week raises what is outstanding before it is due.
- No standard figure. Compare it only with your own credit days. We give no standard number. The calculator says "well after" once debtor days is more than one and a half times your credit days: a rough marker of ours, not a standard.
- A long result. If debtor days is longer than the period you picked, some of the outstanding is older than the sales you counted. Try 365 days, or check your figures.
What to do next
If it is well above your credit days, find who is behind it: split each transporter's balance into overdue and not yet due, then age it. Send a reminder to each late transporter, and set a rule for when to stop credit. A shorter credit period or a lower credit limit tends to shrink the number for the next round.
Questions people ask
01What is debtor days?
The average number of days it takes your transporters to pay you. A debtor is someone who owes you money, here a transporter. It is outstanding ÷ credit sales × the days in the period.
02Debtors days formula: do I count cash fills?
No. Count only credit sales. Cash fills are paid on the spot, so adding them makes debtor days look better than it is.
03Debtor days kitna hona chahiye?
There is no number right for everyone. Compare it with the credit days you give: close to them or below is fine, and far above means transporters pay late on average.
04Debtors days meaning in Hindi?
ग्राहकों से पैसा आने में औसतन लगने वाले दिन। The Hindi page of this calculator explains it in Hindi.
05Which period should I pick: 30, 90 or 365 days?
Start with 90. Use 30 when your credit given is steady from month to month, and 365 to smooth out busy and slow seasons.
06Does the calculator save my figures?
No. The sum is worked out on your own phone or computer, and nothing you type is stored or sent.
Related pages
About Khata Kavach (advertisement)
Khata Kavach is a shared credit book for petrol pumps, from MDG Services. The transporter asks before each truck fills, your nozzle man sees the limit before he fills, and both of you see every fill, payment and bill. It never lends or holds money.