Should you offer an early-payment discount?

See what a 2/10 net 30 style discount costs you over a year and what it's worth in cash collected sooner.

Annualized cost

—

Net cost per year

—

Paid sooner by

—

Your invoicing

Monthly invoiced revenue

Discount terms

Discount offered

Pay-early window

days

Uptake and borrowing cost

Standard payment terms

Net

Customers who'll take it

Your borrowing rate (line of credit, card, or loan APR)

% APR

If you don't borrow, use what your cash could earn instead — e.g. 4–5%.

Cash you'd collect sooner (working capital freed)—

Discounts you'd give per year—

Financing you'd save on that freed cash—

An estimate to help you think, not financial, tax or legal advice.

Free tool by Finli.