Debtograph is an add-on that delivers some really quality metrics on your sales and receivables. It presents this information in a highly graphical manner that is very easy to understand for the average user and it does all of this for free; which is really great.

It is worthwhile knowing upfront though, the way they make their money is through cash flow funding products, like debtor finance, etc.

So what does it look like?

They say a picture speaks a thousand words, and Debtograph utilises graphics to explain the complex in a very simple manner. I thought the best thing I could do is to actually show you what it looks like. Please see below.

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The main page is broken up into a summary of everything that is happening in terms of your customers and aged receivables, the sort of things the everyday SME who does not have a fulltime accountant or CFO working with them, would simply not have the time to work out for themselves.

Further to this, it goes on to analyse the following:

Big debtors

This gives you a quick idea of who your biggest debtors are and how big they are in comparison to the rest of your debtors, and the risk they pose to your organise. So basically that means don’t put all your eggs in one basket, which is common sense, but when you’re running around and trying to run your business it’s quite easy to forget the risk this poses.

Business growth

Debtograph takes a snapshot of the last 90 days and shows graphically which clients are growing by invoicing more in the relative period, as well as the cumulative total of the whole organisation versus the prior 90 days. A really interesting chart entitled “When do you send invoices?” is one that could really impact a lot of decision making and help you to understand when your busy periods are as well as assisting you with a lot of forward-planning.

Payment time

It analyses your clients individually and gives a simple analysis of how payments are being made vs. the last invoices. This could potentially point out anomalies that would help the prudent account manager. It also provides an average across your organisation of how long it takes clients to pay.

review: debtograph, see your data in a different way

Client Classes

Debtograph groups clients into four classes by the size of the client and how fast they pay. It gives you a really quick snapshot of where all your customers are at present and assists you in seeing where you can assist them to grow into more reliable, fast paying customers.


DSO is a common metric which stands for Days Sales Outstanding. This is reflective of the average number of days it takes for a customer to pay after issuing an invoice.

review: debtograph, see your data in a different way

Index of customers

Finally, a really nifty little index of all your clients, and if you click on any one client you get an overview of the client with most of the above metrics being displayed if they are relevant.

Final thoughts

As with anything free I guess everyone’s initial reaction is what’s the catch? However, there is no real catch, other than the fact that they will suggest funding bodies that can assist you with cash flow.  They don’t really actively try to solicit a sale out of you, it’s quite voluntary and it’s really up to you if that’s something you are in the market for.

Assuming your Xero file is up to date and well maintained, I think its one of those must-have add-ons, especially if you do have debtors and they are from recurring sales, it’s a great snapshot of where your business is at. I think forming a habit of spending just 5-10 minutes reflecting on your business metrics and sales would do you a world of good. Debtograph does all the work for you and gives you some really thought-provoking information that is relevant and reliable.

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