Early Payment Discount Calculator

Advanced Early Payment Discount Calculator

Calculate savings, ROI, and effective annual rates for early payment discounts

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Professional Early Payment Discount Analysis — Make informed decisions about offering or taking early payment discounts:

  • Calculate effective annual rates to compare with financing costs
  • Analyze ROI and opportunity costs of early payment
  • Compare multiple discount scenarios side-by-side
  • Evaluate tiered discounts and volume-based incentives
  • Determine the true cost of not taking discounts

Essential for finance teams, sales professionals, and business owners optimizing cash flow and payment terms.

Simple Calculator
Scenario Comparison
Advanced Analysis

Discount Terms

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days
days

Example: "2/10 net 30" means 2% discount if paid within 10 days, otherwise full payment due in 30 days

Invoice Details

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%

Your financing rate or opportunity cost

Invoice Information

$

Discount Scenarios

Scenario 1: Standard Terms
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days
days
Scenario 2: Aggressive Terms
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days
days

Payment Strategy Analysis

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%
days
days

Financing Options

% APR
% annual

Automate early payment discounts in your accounting software

Automatically apply discounts when customers pay early

Track discount utilization and impact on cash flow

Integrate with Xero, QuickBooks, and other platforms

This calculator provides estimates for early payment discount analysis. Consult with financial professionals for specific business decisions.