Early Payment Discount Calculator — free online
A supplier offers you "2/10 Net 30" and you're not sure if it's worth paying early. Or you're the one offering the discount and wondering what it really costs you. It's a small sum that's surprisingly easy to get wrong in your head. We added a free tool that does the math for you — Early Payment Discount — right in your browser.
What it does
You type in payment terms like 2/10 Net 30, and it shows you the cash discount and the effective annual rate of taking it. That yearly number is the part most people miss: a small early-payment discount often works out to a very high return compared to leaving the money in the bank, which is exactly what helps you decide.
Nothing leaves your device
The whole thing runs in your browser. Your numbers stay on your screen — nothing is uploaded, nothing is saved, nothing is sent anywhere. You can even use it offline once the page has loaded.
How to use it
- Open Early Payment Discount.
- Enter the terms — the discount percent, the discount days, and the net days (for example 2, 10 and 30).
- Read off the cash discount and the effective annual rate.
It's free with no limit. There are more small tools on the Apps page.