Before you start
What you need
Invoice amount, discount percentage, early-payment day, net-payment day, and currency.
Finance & Business Finance
Payment Terms Calculator
Compare an early-payment discount with standard net terms and estimate its annualized financing cost.
- 01Private browser calculation
- 02Assumptions stay visible
- 03CSV and print ready
Transparent method
How this calculation works
The discount reduces the early amount. Its value is compared with extra credit days to estimate an annualized cost of declining it.
Useful output
What you receive
Early amount, discount value, extra credit days, annualized comparison, assumptions, and CSV.
Decision guardrail
What this does not decide
Annualization can look extreme for short terms and does not decide whether cash should be used.
Practical uses
Where this tool helps
- Evaluate 2/10 net 30 terms.
- Compare a discount with borrowing cost.
- Prepare an accounts-payable decision.
Data boundary
Financial inputs remain local
Calculations and report generation run in your browser. Nirmion does not upload, retain, or recover the values entered here. The public catalogue request contains only the tool slug.