Free tools / DPD and buckets

DPD and delinquency bucket SQL prompt

Free · no sign-up · table names only

Builds a prompt that writes the DPD and bucket query from your instalment schedule and payment tables. It is free, needs no sign-up, and works from table and column names alone.

What you enter

You type names only: table and column names, never customer data.

• Instalment schedule table
• Loan id column
• Due date column
• Due amount column
• Payment table
• Payment date column
• Payment amount column
• As-of date
• Grace days
• Payment allocation
• Buckets

How to use it

1. Fill the table and column names. Keep the allocation rule consistent with your collections system.
2. Paste the prompt, answer the AI questions, copy the SQL.
3. Run it in your own database on one month-end date.
4. Work through the checks below before using the output.

Checks to run on the answer

AI can write SQL that looks right and is wrong. Run these checks before you trust the result.

• Row count equals the number of loans with an instalment due by the as-of date.
• No negative DPD and no null bucket.
• Sum of overdue amount reconciles to the finance overdue figure within a small tolerance.
• Pick 10 loans across buckets and trace each by hand to the schedule and payments.
• Joining schedule to payments did not multiply rows (compare the count before and after the join).

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