PAR30 & PAR90 Calculator
Measure the portion of your loan portfolio that is at risk due to delinquency — calculate PAR30 and PAR90 from your portfolio aging data, with a visual composition bar and CSV export.For MFIs · SACCOs · Digital Lenders · Credit Teams
Loans more than 30 days overdue — the 31–60 + 61–90 + 90+ buckets, as a share of the total portfolio.
Loans more than 90 days overdue — the 90+ bucket only. The most seriously delinquent, hardest-to-recover part of the book.
| Bucket | Amount | % of portfolio |
|---|---|---|
| Current (not overdue) | 8,900,000 | 89.00% |
| Overdue 1–30 days | 500,000 | 5.00% |
| Overdue 31–60 days | 300,000 | 3.00% |
| Overdue 61–90 days | 100,000 | 1.00% |
| Overdue 90+ days | 200,000 | 2.00% |
| Total portfolio | 10,000,000 | 100.00% |
| Band | PAR30 range | Your PAR30 |
|---|---|---|
| Low | below 5% | |
| Watch | 5–10% | 6.00% ← |
| High | above 10% |
A rule of thumb — not a universal regulatory threshold. Your institution may use different PAR targets depending on its portfolio, products and risk policy.
How this is calculated
PAR30 is the share of your loan book tied up in loans overdue by more than 30 days — the 31–60, 61–90 and 90+ aging buckets only. PAR90 is the stricter version, counting only the 90+ bucket. Both use the full outstanding balance of each affected loan, not just the missed installment, so a single late borrower puts their whole remaining balance “at risk”.
Show the calculation formula
PAR30 = (31–60 + 61–90 + 90+) ÷ total portfolio × 100
PAR90 = (90+) ÷ total portfolio × 100
The numerator is the sum of the qualifying aging buckets; the denominator is the total outstanding portfolio. The 1–30 day bucket is never part of PAR30 — it is not yet past the 30-day threshold.
What is PAR?
Portfolio at Risk is the share of your loan book tied up in loans that have fallen behind on payment. It is an important indicator of portfolio delinquency and credit risk, which is why lenders, auditors and regulators watch it closely. PAR identifies the outstanding balance of delinquent loans; it does not by itself establish that those balances become losses. There is no universal “healthy” PAR30 level — institutions set their own targets based on their portfolio, products and risk policy.
PAR30 vs PAR90
PAR30 catches delinquency early; PAR90 isolates the deeply overdue loans that are hardest to recover and usually attract the heaviest provisioning. Watching both tells you not just how much is at risk, but how far gone it is.
FAQ
What is PAR30?
Portfolio at Risk over 30 days: the outstanding balance of all loans with a payment more than 30 days overdue, divided by the total outstanding portfolio. It is the most widely used single measure of a loan book's health.
How is PAR30 calculated?
PAR30 = (balance overdue 31–60 days + 61–90 days + over 90 days) ÷ total outstanding portfolio × 100. It uses the full outstanding balance of every affected loan, then expresses it as a percentage of the whole book.
Why doesn't PAR30 include the 1–30 day bucket?
Because those loans are not yet more than 30 days overdue. PAR30 counts only balances past the 30-day threshold — the 31–60, 61–90 and 90+ buckets. Including the 1–30 bucket is the single most common mistake.
Does PAR use the full loan balance or just the missed installment?
The full outstanding balance of any loan with an overdue installment — not just the overdue amount. So each bucket should hold the entire remaining balances of the loans in that aging category.
What is PAR90?
The same ratio but for loans more than 90 days overdue — a stricter measure that isolates the most seriously delinquent, hardest-to-recover part of the book, which usually attracts the heaviest provisioning.
What counts as a healthy PAR30?
As a rule of thumb, many lenders treat PAR30 below 5% as low risk, 5–10% as a watch level, and above 10% as high risk. These bands are not universal — acceptable levels vary by product, market and institution risk appetite, so confirm your own targets with your compliance team rather than treating any number as universal.
How is PAR different from the BOT loan classification?
PAR is a portfolio ratio; the Bank of Tanzania classification bands (Current, Especially Mentioned, Substandard, Doubtful, Loss) categorise each individual loan by days past due and drive provisioning. They are related but not the same — use the DPD & BOT Classification Checker for the regulatory band and the Provisioning Estimator for the loan-loss provision.
Is anything I enter saved or sent anywhere?
No. The whole calculation runs in your browser — nothing you type is stored or transmitted to any server.
PAR reporting, straight from your portfolio.
Ustawi automatically tracks portfolio aging and generates PAR reporting from your loan portfolio — PAR30, PAR90, delinquency, the Bank of Tanzania classification, portfolio trends and regulatory reports — with no manual bucketing or month-end reconciliation drift.
