Early payment discount

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Early payment discount

What `2/10 net 30` costs as a rate a year, which nobody expects

It runs entirely in this browser tab: what you type is never uploaded, and the tool makes no network request while it works. Open your browser's network panel and try it — nothing leaves the page. There is no sign-up and no account.

Settings

Cost of money
What borrowing costs you. Below the discount's annual rate, taking it is worth doing. A number from 0 to 100.

How to use it

  1. Paste your text into the box above, or open a file.
  2. Adjust the settings beside it until the result is what you wanted.
  3. Copy the result, or save it as a file. The result updates as you type.

Questions

Which currency are the answers in?
Whichever one your numbers were in. No tool here names a currency anywhere, because it cannot know which one you meant and a wrong symbol beside a right number is worse than no symbol at all.
Is there a benchmark to compare this with?
Only the one you give. There is no table of industry figures here, because such a table is a different number in every source and quoting one would be inventing an authority. Where a tool takes a target, it is yours.
Is tax taken into account?
No. Rates, thresholds and what is deductible differ by country, by year and by transaction, and a calculator that guessed would be wrong for almost everybody while looking authoritative. Where a figure is affected by tax, the tool says so and takes the rate from you.
Is what I type uploaded anywhere?
No. This page carries the whole tool as WebAssembly and runs it on your own device. Nothing you type is sent anywhere, and there is no network request to make while it works.

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