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CASH
DISCOUNT.

2/10 net 30 looks small — 2% off for paying 20 days early. Annualized, skipping it can cost you over 37%. See the real APR of not taking the discount.

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CASH DISCOUNT CALCULATOR

TAKE THE
DISCOUNT.

37.2%
Effective annual cost of skipping the discount
Cost of the credit / period2.04%
Extra days of credit20
You save if you pay early$200.00
Pay early (by day 10)$9,800.00
HOW IT WORKS

Terms like 2/10 net 30 are a loan in disguise. This shows the annualized rate you effectively pay by NOT taking the early-pay discount.

Enter the terms
Type the discount percentage, the days to earn it, and the net due days — e.g. 2, 10, 30 for 2/10 net 30. Add an invoice amount for dollars.
We annualize it
Period cost = discount ÷ (100 − discount). Annualized = that × (365 ÷ extra days of credit), where extra days = net days − discount days.
Use the result
If the annual figure beats your cost of borrowing, always take the discount — you are earning that rate by paying early.
Put this on your site
Paste one line and the live cash discount calculator runs on your page, free, with a link back here. No account, no key, nothing to update.
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