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PAYMENT TERMS / FIXED DISCOUNT

Cash Discount Calculator

Evaluate commercial payment terms such as 2/10 net 30 by showing discounted payment, cash saving, and implied annual cost of waiting.

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  • 03 Use boundary

Conversion input

Known value

Filter by unit name, symbol, or code. Your current selections remain available.

Scenario

Rates and terms

Volume and timing

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Calculation path

The discount reduces invoice payment; its forgone amount is annualized over the extra credit days between discount and net deadlines.

Calculation path

Implied annual cost = discount / (1 - discount) x 365 / (net days - discount days).

What you provide

What you provide

  • Invoice amount: Amount due before the offered cash discount.
  • Cash discount rate: Discount available when payment is made by the early date.
  • Discount deadline: Days after invoice date when discount eligibility ends.
  • Net payment deadline: Days after invoice date when full payment becomes due.

What you receive

What you receive

  • Payment within discount period
  • Immediate cash saving
  • Implied annual cost of skipping the discount

Use boundary

Choose the maximum decimal places shown. This does not increase source accuracy.

Annualization is a comparison rate, not a financing quote; liquidity, tax, weekends, disputes, and supplier rules can change the decision.

This is an educational planning estimate, not accounting, tax, lending, or pricing advice. Confirm definitions, source records, commercial terms, and decisions with the responsible professional.

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