Práctico

Calculadora de condiciones de pago de facturas

Condiciones de pago de facturas

Monto de la factura ($)

Condiciones de pago (días)

% de descuento por pago anticipado

Periodo de descuento (días)

Su costo de capital %

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Detailed Guide Coming Soon

We're working on a comprehensive educational guide for the Invoice Payment Terms Calculator in your language. The content below is shown in English.

Qué es Invoice Payment Terms Calculator?

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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.

DigiCalcs delivers precision-engineered tools for engineers and STEM professionals.

Fórmula

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f(x)Effective APR = (Discount% / (1 − Discount%)) × (365 / (Net Days − Discount Days))

Leyenda de variables

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Símbolo	Nombre	Unidad	Descripción
D	Discount	%	Early payment discount rate

Cómo Invoice Payment Terms Calculator

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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

Ejemplos resueltos

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Ejemplo 1

Dado:$10k Net 30, 2/10

Resultado:$200 discount, 36.7% effective APR — take it if capital costs <36.7%

Aplicaciones prácticas

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B2B invoice pricing

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Cash flow optimization

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Accounts receivable strategy

Preguntas frecuentes

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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.

Errores comunes a evitar

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!Comparing nominal discount % to APR (wrong scale)
!Ignoring cash flow value of faster payment

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Consejo Pro

For clients who chronically pay late, consider Net 15 with no discount instead of Net 30 with discount — cleaner cash flow with less margin sacrifice.

Referencias

›SBA — Cash Flow Management

📖Dificultad:Intermedio

Accuracy-checked

Reviewed October 2026

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