NET TERMS
CALCULATOR.

Net 30, 60, 90 isn't free. Calculate the true carrying cost of financing your buyers' terms.

NET TERMS CALCULATOR

THE COST OF
WAITING.

Invoice amount ($)

Terms (days until paid)

Cost of capital / APR (%)

$394.52

Carrying cost of these terms

Cost per day$6.58

Effective haircut1.97%

Real value received$19,605.48

HOW IT WORKS

Put a dollar figure on the cost of financing a buyer's net-30/60/90 terms.

Enter your numbers

Type the invoice amount, how many days until it's paid, and your cost of capital or APR.

We carry the cost

Daily rate = APR ÷ 365. Carrying cost = invoice × daily rate × days — the interest you eat while waiting to be paid.

Use the result

The hero number is what the terms cost you; the effective haircut shows it as a percentage of the invoice.

Put this on your site

Paste one line and the live net terms calculator runs on your page, free, with a link back here. No account, no key, nothing to update.

GRAJ

Every tool here is free and needs no account. When you are ready to sell, joining is free too — GRAJ takes 5% when a transaction goes through.