Results are announced here.
Your results appear here.
Estimates for planning only. Not financial, legal or staffing advice.
How to calculate a roll rate
Roll rate from bucket A to bucket B = balance in bucket B this month ÷ balance in bucket A last month × 100
A roll rate shows how much of a delinquency bucket moves to the next, worse bucket a month later. Enter balances, or the number of accounts, for the end of two consecutive months. Month 2 buckets are compared with the bucket one step earlier in month 1: 1-30 days with current loans, 31-60 with 1-30, and so on.
Multiplying the four rates gives the share of today’s current balance expected to reach 90+ days past due if the rates hold. That number links collection work in the early buckets to future losses.
Example: 600,000 of 10,000,000 current balance rolling to 1-30 days is a 6.0% roll rate; 280,000 of 800,000 rolling on to 31-60 days is 35.0%.
Reading the result
- Each rate is a simplified, one-month view: payments, cures, new loans and charge-offs between the two dates are not tracked separately.
- A rate above 100% means more balance arrived in a bucket than the earlier bucket held, which usually signals a data cut or a change in how buckets are counted.
- Compare rates by product and by month of origination: a single portfolio-wide rate can hide a weak segment.
Where AI voice agents fit in early collections
The first bucket is the earliest chance to reach a customer: some simply forgot a date, others need a new one. An AI voice agent can call the accounts that agreed to be called, within the contact rules that apply to you, take a promise to pay and offer a payment link, so agents can focus on later buckets. The calculator shows what a lower 1-30 to 31-60 roll rate means for the balance that reaches 90+ days. Voctiv’s cost to collect calculator compares the cost per collected dollar.
Frequently asked questions
What is a roll rate?
A roll rate is the share of loans or balances in one delinquency bucket that move to the next, more delinquent bucket over a period, usually one month. Lenders use roll rates to forecast losses and to see where collections work has the most effect.
How do you calculate a roll rate?
Divide the balance in a delinquency bucket at the end of this month by the balance in the previous bucket at the end of last month. For example, 280,000 now 31-60 days past due out of 800,000 that were 1-30 days past due is a 35% roll rate.
What is roll rate analysis used for?
It shows how delinquency moves through a portfolio. Lenders use it to forecast how much of today’s balance will reach default, to set loss allowances, and to measure whether collection changes in an early bucket reduce later losses.
What is the difference between a roll rate and a cure rate?
A roll rate counts balances that move to a worse bucket. A cure rate counts balances that return to current after being past due. Both together describe what happens to a delinquent account.