Praktično

Kalkulator plačilnih pogojev računa

Pogoji plačila računa

Znesek računa ($)

Plačilni pogoji (dnevi)

Popust za zgodnje plačilo %

Okno s popusti (dnevi)

Vaš strošek kapitala %

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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.

What is 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.

Formula

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

Variable Legend

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Symbol	Ime	Enota	Opis
D	Discount	%	Early payment discount rate

How to 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

Worked Examples

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Example 1

Given:$10k Net 30, 2/10

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

Real-World Applications

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B2B invoice pricing

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Cash flow optimization

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Accounts receivable strategy

Frequently Asked Questions

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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.

Common Mistakes to Avoid

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

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Pro Tip

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.

References

›SBA — Cash Flow Management

📖Difficulty:Intermediate

Accuracy-checked

Reviewed October 2026

Our methodology

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