Sąskaitos faktūros apmokėjimo sąlygų skaičiuoklė

Ever looked at a bill and spotted terms like "2/10 Net 30" and wondered if it was some kind of secret code? You're not alone! In the business world, this is actually a fantastic shortcut to saving money. This calculator is designed to help you decode those payment terms. It analyzes early-payment discounts to show you whether paying a bill early is a smart financial move, or if you are better off keeping that cash in your pocket for a little longer. Let's break down the magic of how this works. If a supplier offers you "2/10 Net 30," they are saying: "Hey, if you pay us within 10 days instead of the usual 30, we'll give you 2% off the bill." While a 2% discount might sound small—like a couple of bucks on a coffee order—it is actually a massive deal when you look at the big picture. When you run the math, paying 20 days early to save 2% is the equivalent of earning a whopping 37.24% annual interest rate! That easily beats almost any stock market return or high-yield savings account you will find. Why does this matter in your daily life? If you are a freelancer or side-hustler sending out invoices, offering a small discount can get you paid incredibly fast, keeping your bank account happy and healthy. If you are the one buying supplies, inventory, or services, knowing this math helps you decide when to pay early to save money, and when to hold onto your cash. This tool takes the guesswork out of the equation so you can make confident, money-smart decisions every single day.

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

1. 1Step 1 — Enter the total dollar amount of the invoice you are dealing with.
2. 2Step 2 — Input the standard payment terms (like Net 30 or Net 60 days).
3. 3Step 3 — Enter the early-payment discount percentage and the deadline to get it.
4. 4Step 4 — Tell us your cost of capital (what interest rate you pay on debt or earn on savings).
5. 5Step 5 — The calculator instantly finds the exact dollar amount you will save.
6. 6Step 6 — It calculates the 'Effective APR'—the annualized return on your money if you pay early.
7. 7Step 7 — Finally, it compares that APR to your cost of capital and tells you straight up whether to take the deal or keep your cash.

• !Thinking 2% is just 2%: Don't mistake the flat discount rate for the annual return. Saving 2% in 20 days is mathematically huge!
• !Using high-interest debt to pay early: Borrowing at 25% APR on a credit card just to save 2% on an invoice doesn't make sense if you can't pay the card off immediately.
• !Giving discounts to reliable, prompt clients: If they always pay on day 10 anyway, don't offer them a discount out of the blue—that's just leaving money on the table!