Check Early-Payment Discounts Against Your Return Floor
A two-percent discount for paying twenty days early is a return no bank prints. Convert each offer into its implied annual return and compare it with the floor your cash actually needs.
1 · invoice | discount percent | days the payment moves earlier
FIRST-LOAD
Input is processed locally and a draft is saved automatically in this browser profile when storage is available. Reset to sample clears that draft; Pro history has its own clear button. A state link encodes your inputs in its URL: share only non-sensitive rows. Browser history, clipboard and anyone receiving the link may retain it. Optional AI use below leaves this device; it is not required.
Data note: Everything runs in this browser tab on the early payment chart: your invoice | discount percent | days the payment moves earlier stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Perspective: Before: The percent is small because the period is short; the annualised figure is the comparable one. After: the early payment chart shows the working beside each named row so the reader can change the assumption and inspect the consequence.
2 · Read the early payment chart
Discount arithmetic on the terms you supply. Not financial, credit, tax or investment advice; confirm the invoice terms, your cash position and the accounting treatment of discounts with your accountant before changing payment behaviour.
Paid layer: early payment chart print and history
one-time step · the free reading above stays complete
Free tier
- one complete early payment chart run in the app
- three samples plus unlimited article-demo runs
- unwatermarked result text and an explicit, user-triggered state link
What $4 one-time adds
- print the early payment chart with its row workings
- CSV of implied annual percent and row explanations
- last five reading summaries saved in this browser profile
$4 once for repeated filing of the early payment chart, not for a better answer. Illustrative time basis: avoiding one five-minute manual reformat per saved reading; no market-price or guaranteed-savings claim.
Local history (this device)
- No saved runs yet — your first run files here.
Checkout is unavailable until a payment link is configured. The optional unlock is browser-local, profile-scoped and best-effort, not server-verified access. Clearing browser data can remove it; there is no account or cross-device recovery.
Boundary and sources
Discount arithmetic on the terms you supply. Not financial, credit, tax or investment advice; confirm the invoice terms, your cash position and the accounting treatment of discounts with your accountant before changing payment behaviour.
- Method: The annual return your business needs from spare cash — your cost of capital, your best alternative, or the rate you would demand to lend to anyone else. Fifteen percent is demanding; three is cautious.
- All sample records are invented examples. The app does not fetch measurements, policies, files or personal records.
- Google’s official pricing page, fetched 2026-09-29, lists free-tier access including AI Studio. Optional formatting only; limits and availability can change. Free-tier content may be used to improve products. Never paste private records there.
Mechanism: competence-autonomy-loop
Optional AI formatting, not calculation
For this early payment chart, use the free AI Studio interface only if available to you, with no paid API key. Manual entry completes the same workflow for free. Supply only fictional or non-sensitive notes. Review its output against the source; never paste unresolved questions into the numeric rows.
Format my non-sensitive notes for a early payment chart. Return plain rows only: invoice | discount percent | days the payment moves earlier. Preserve supplied quantities exactly. Do not guess missing values; list questions separately. Do not calculate or add advice. I will check every row before pasting into the local tool.
Accepted schema: invoice | discount percent | days the payment moves earlier. No AI response is executed as code.