2 syllables: Ar, rears. Stress on rears.
ur-IRZ
/ɚˈɪɹz/
Arrears is pronounced ur-IRZ (/ɚˈɪɹz/). It has two syllables (Ar-rears), with the stress on "rears". Arrears is money that is overdue and yet unpaid, typically referring to overdue rent, wages, or debts. It denotes a state where payments are behind schedule and owed to a creditor, often leading to reminders or collection actions. Used in legal and financial contexts, it emphasizes outstanding amounts rather than current or future payments.
nounArrears is money that is overdue and yet unpaid, typically referring to overdue rent, wages, or debts. It denotes a state where payments are behind schedule and owed to a creditor, often leading to reminders or collection actions. Used in legal and financial contexts, it emphasizes outstanding amounts rather than current or future payments.
How to Pronounce Arrears
"The landlord filed a notice after the tenant fell into arrears for three months."
"She is in arrears on her mortgage and needs to set up a payment plan."
"The company warned employees that pay in arrears would be corrected in the next cycle."
You say ar-REARS with stress on the second syllable. In US English, /əˈrɪərz/ often becomes /əˈriːərz/ in some speakers; in UK and AU, it's commonly /əˈriːəz/ or /əˈriːərz/ depending on the vowel shift. Start with a schwa, then a long 'ear' vowel, ending with a voiced 'z' sound. IPA: US /əˈrɪərz/, UK /əˈriːəz/ or /əˈriːərz/, AU /əˈriːəz/.
Common errors: misplacing stress by saying AR-REARS with primary stress on the first syllable; pronouncing the second syllable as a dull /ɛər/ instead of a pure /iːə/ or /ɪər/ sequence; omitting the linking schwa and ending with a hard 's' rather than a soft z. Correct by stressing the second syllable, preserving the /ɪər/ or /iːə/ vowel sequence, and finishing with a voiced /z/ rather than /s/.
US tends toward /əˈrɪərz/ with a rhotic, curling vowels; UK often uses /əˈriːəz/ with a longer second vowel and non-rhotic or lightly rhotic pronunciation; AU varies but commonly /əˈriːəz/ or /əˈriːəz/ with smoother vowel transitions. The main differences are the length of the vowel in the second syllable and the final consonant realization: US /rz/ vs. UK /z/ or /əz/.
Two tricky parts: the second-syllable vowel cluster /ɪər/ or /iːə/ is longer and glides, requiring a smooth transition from a short schwa; and the final voiced /z/ blends with the preceding vowel, which can slip into a voiceless /s/ in rapid speech. Practice by isolating the sequence /ərɪərz/ or /riːəz/ slowly, then build speed while maintaining a clean /z/ at the end.
Arrears typically carries a financial and formal tone; the key nuance is the second syllable’s prolonged front vowel that distinguishes it from similar-sounding words like 'ears' or 'arrear' (singular). The primary stress remains on the second syllable: ar-REARS. Focus on keeping the first syllable as a weak schwa to avoid over-pronouncing the word.
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US: rhotic, stronger r-coloring; emphasize /ɹ/ and the /ər/ sequence; second syllable vowels may be shorter. UK: non-rhotic or weak rhotic, longer /iː/ or /ɪə/ and a smoother transition; AU: similar to UK with slight vowel shifts; final /z/ remains voiced. IPA references: US /əˈrɪərz/, UK /əˈriːəz/, AU /əˈriːəz/.
Arrears comes from the Middle English phrase in arrears (in the rear or behind), from the French en arriere meaning ‘in the rear’ or ‘behind’. The term blends Middle English arre (a loanword from Old French aren) meaning ‘in arrears’ with -ars, a suffix indicating a plural or collection of items owed. Historically used in legal and financial contexts to describe sums owed that are past due, arrears evolved from fee or rent arrears phrases in medieval contracts to a general financial term indicating overdue payments. The sense of “behind schedule” extended from money owed to any overdue obligation, and by the 17th-18th centuries it was common in lease agreements and mercantile writings. Through the Industrial and post-industrial periods, arrears became part of standard accounting language, distinguishing between amounts due now and past-due balances. The usage remains prevalent in property law, payroll, and utilities, underscoring overdue obligations as opposed to current liabilities.
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💡 These words have similar meanings to "Arrears" and can often be used interchangeably.
🔄 These words have opposite meanings to "Arrears" and show contrast in usage.
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Words that rhyme with "Arrears"
-res sounds
-irs sounds
Practice with these rhyming pairs to improve your pronunciation consistency:
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