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The Invoice Payment Terms Calculator helps freelancers and small businesses analyze whether to offer early-payment discounts (2/10 Net 30 = 2% off if paid in 10 days, else full Net 30). Computes effective APR of the discount vs your cost of capital. A 2% / 10 days discount = 36.7% effective APR — usually worth offering if your capital cost is below that.
Wzór
Effective APR = (Discount% / (1 − Discount%)) × (365 / (Net Days − Discount Days))
- D
- Discount (%) — Early payment discount rate
Przewodnik krok po kroku
- 1Enter invoice amount
- 2Enter payment terms (Net 30/60/90)
- 3Enter discount % and window
- 4Enter your cost of capital (line of credit rate or opportunity cost)
- 5Calculator outputs discount value, effective APR, recommendation
Rozwiązane przykłady
Wejście
$10k Net 30, 2/10
Wynik
$200 discount, 36.7% effective APR — take it if capital costs <36.7%
Częste błędy do unikania
- ✕Comparing nominal discount % to APR (wrong scale)
- ✕Ignoring cash flow value of faster payment
Często zadawane pytania
What's a typical setup?
2/10 Net 30 (2% off if paid in 10 days, else full in 30). This implies 36.7% APR — strong incentive. 1/10 Net 30 = 18.4% APR, weaker.
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