{ "title": "Early payment discount calculator", "human_url": "https://happytails.ai/en/business-tools/early-payment-discount-calculator/", "agent_url": "https://happytails.ai/agents/en/business-tools/early-payment-discount-calculator/", "language": "en", "markdown_url": "https://happytails.ai/en/business-tools/early-payment-discount-calculator.md", "content": "Early payment discount calculator\nCompare invoice discount savings with borrowing costs and fees before paying early.\nHow can we improve this tool?\nReport a problem or share an idea.\nPlease leave out private information. Your message and the tool name go to our team via PostHog.\nHow to use Early payment discount calculator\nEnter an invoice or choose batch mode and paste the invoice CSV.\nSet the discount terms, payment days, annual financing rate, fixed fee and day-count basis.\nCompare the net saving and break-even rate, then download the full invoice report.\nUseful next steps\nCash runway calculator\nPercentage\nDiscount\nCompare the amount you actually finance\nFor a 10000 invoice with a 2 percent discount, the early payment is 9800. Financing cost uses that discounted principal for the days between early and full payment. Add the fixed fee once. A lower annual rate can still lose money when its fee exceeds the saving.\nRead annualized figures carefully\nSimple annualized discount return scales the saving relative to the discounted payment by the entered day-count basis. Effective annualization assumes identical opportunities can repeat with reinvestment. These mathematical comparisons do not establish available credit, contractual eligibility or an achievable investment return.", "content_format": "text/plain", "visibility": "public", "links": [ { "name": "Cash runway calculator", "url": "https://happytails.ai/en/business-tools/cash-runway-calculator/" }, { "name": "Percentage", "url": "https://happytails.ai/en/calculators/percentage/" }, { "name": "Discount", "url": "https://happytails.ai/en/calculators/discount/" } ], "tool": { "id": "early-payment-discount-calculator", "category": "business-tools", "built": true, "requirements": "Compare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.", "implementation": { "fields": [ { "key": "currency", "label": "Currency code", "value": "EUR", "type": "text", "help": "Three uppercase letters. Every monetary input uses this currency; no conversion is performed." }, { "key": "entryMode", "label": "Invoice entry", "value": "single", "type": "select", "values": [ "single", "batch" ], "labels": { "single": "One invoice", "batch": "Invoice batch CSV" } }, { "key": "dayBasis", "label": "Annual day-count basis", "value": "365", "type": "select", "values": [ "365", "360" ] }, { "key": "invoiceName", "label": "Invoice name", "value": "Invoice 1", "type": "text", "showWhen": { "entryMode": [ "single" ] } }, { "key": "invoiceAmount", "label": "Full invoice amount", "value": "10000", "type": "text", "help": "Use a decimal point, up to six decimal places and no thousands separators.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "discountPercent", "label": "Early-payment discount (%)", "value": "2", "type": "text", "help": "Use a decimal point, up to six decimal places and no thousands separators.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "earlyPaymentDay", "label": "Early payment day after invoice", "value": "10", "type": "text", "help": "Use whole numbers for month and payment-day fields.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "netPaymentDay", "label": "Full payment day after invoice", "value": "30", "type": "text", "help": "Use whole numbers for month and payment-day fields.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "financingAnnualPercent", "label": "Simple annual financing rate (%)", "value": "12", "type": "text", "help": "Use a decimal point, up to six decimal places and no thousands separators.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "fixedFinancingFee", "label": "Fixed financing fee per invoice", "value": "5", "type": "text", "help": "Use a decimal point, up to six decimal places and no thousands separators.", "showWhen": { "entryMode": [ "single" ] } }, { "key": "invoicesCsv", "label": "Invoice batch CSV", "value": "name,invoiceAmount,discountPercent,earlyPaymentDay,netPaymentDay,financingAnnualPercent,fixedFinancingFee\nInvoice 1,10000,2,10,30,12,5\nInvoice 2,5000,1,10,45,8,0", "type": "textarea", "help": "Exact headers: name,invoiceAmount,discountPercent,earlyPaymentDay,netPaymentDay,financingAnnualPercent,fixedFinancingFee. Batch mode uses these rows and ignores the one-invoice fields. Use unique names, decimal points and no thousands separators. Days are whole numbers; the full-payment day must be later than the early-payment day.", "showWhen": { "entryMode": [ "batch" ] } } ], "input": false, "presentation": "metrics", "note": "Compare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.", "experience": { "automatic": false, "single": false, "inputMaxLength": 1000000, "inputMode": "text", "label": "Your text", "placeholder": "Type or paste your input…", "help": "Up to 1,000,000 characters. Review the settings before running.", "action": null }, "mode": "explicit", "interactive": false }, "execution": "Browser interface", "api": null, "browser_agent": { "supported": true, "name": "run_current_tool", "discovery": "WebMCP on the human page in a supporting browser", "verification": "See audit/API-AUDIT.md; availability is not verification" } }, "markdown": "# Early payment discount calculator\n\n- Human page: https://happytails.ai/en/business-tools/early-payment-discount-calculator/\n- Markdown: https://happytails.ai/en/business-tools/early-payment-discount-calculator.md\n- Structured JSON: https://happytails.ai/agents/en/business-tools/early-payment-discount-calculator/index.json\n- Visibility: public\n\n## Tool capabilities\n\n| Property | Value |\n| --- | --- |\n| Tool ID | `early-payment-discount-calculator` |\n| Category | business-tools |\n| Implementation | Registered implementation. Registration alone is not a production-quality guarantee. |\n| Browser execution | Use the visible action or interactive controls. |\n| Browser processing | Browser; see tool notes for network behavior. |\n| HTTP API | Not callable through HTTP. |\n| Browser-agent interface | run_current_tool |\n\n### Implementation notes\n\nCompare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.\n\n### Inputs and settings\n\nNo free-text input is required. Use the file inputs and/or settings below.\n\n| Setting | Meaning | Control type | Default | Constraints |\n| --- | --- | --- | --- | --- |\n| `currency` | Currency code | text | \"EUR\" | |\n| `entryMode` | Invoice entry | select | \"single\" | Allowed: single, batch |\n| `dayBasis` | Annual day-count basis | select | \"365\" | Allowed: 365, 360 |\n| `invoiceName` | Invoice name | text | \"Invoice 1\" | |\n| `invoiceAmount` | Full invoice amount | text | \"10000\" | |\n| `discountPercent` | Early-payment discount (%) | text | \"2\" | |\n| `earlyPaymentDay` | Early payment day after invoice | text | \"10\" | |\n| `netPaymentDay` | Full payment day after invoice | text | \"30\" | |\n| `financingAnnualPercent` | Simple annual financing rate (%) | text | \"12\" | |\n| `fixedFinancingFee` | Fixed financing fee per invoice | text | \"5\" | |\n| `invoicesCsv` | Invoice batch CSV | textarea | \"name,invoiceAmount,discountPercent,earlyPaymentDay,netPaymentDay,financingAnnualPercent,fixedFinancingFee\\nInvoice 1,10000,2,10,30,12,5\\nInvoice 2,5000,1,10,45,8,0\" | |\n\n### Browser-agent workflow\n\n1. Open the human page in a browser that supports WebMCP.\n2. Discover the interface exposed by that page; use its actual schema.\n3. Select files on the page first when the tool requires files.\n4. Call `run_current_tool` with valid input and settings.\n5. Inspect the returned result or error and the displayed output. Retrieve files from the displayed download links.\n\nCalls do not automatically copy or download results. Browser permissions still apply. Interface availability alone is not proof of successful execution.\n\n### Planning specification\n\nCompare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.\n\nThis describes intended requirements. Use the implementation notes, interface schema and observed output to determine current support.\n\n### Complete machine-readable capability record\n\n```json\n{\n \"id\": \"early-payment-discount-calculator\",\n \"category\": \"business-tools\",\n \"built\": true,\n \"requirements\": \"Compare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.\",\n \"implementation\": {\n \"fields\": [\n {\n \"key\": \"currency\",\n \"label\": \"Currency code\",\n \"value\": \"EUR\",\n \"type\": \"text\",\n \"help\": \"Three uppercase letters. Every monetary input uses this currency; no conversion is performed.\"\n },\n {\n \"key\": \"entryMode\",\n \"label\": \"Invoice entry\",\n \"value\": \"single\",\n \"type\": \"select\",\n \"values\": [\n \"single\",\n \"batch\"\n ],\n \"labels\": {\n \"single\": \"One invoice\",\n \"batch\": \"Invoice batch CSV\"\n }\n },\n {\n \"key\": \"dayBasis\",\n \"label\": \"Annual day-count basis\",\n \"value\": \"365\",\n \"type\": \"select\",\n \"values\": [\n \"365\",\n \"360\"\n ]\n },\n {\n \"key\": \"invoiceName\",\n \"label\": \"Invoice name\",\n \"value\": \"Invoice 1\",\n \"type\": \"text\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"invoiceAmount\",\n \"label\": \"Full invoice amount\",\n \"value\": \"10000\",\n \"type\": \"text\",\n \"help\": \"Use a decimal point, up to six decimal places and no thousands separators.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"discountPercent\",\n \"label\": \"Early-payment discount (%)\",\n \"value\": \"2\",\n \"type\": \"text\",\n \"help\": \"Use a decimal point, up to six decimal places and no thousands separators.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"earlyPaymentDay\",\n \"label\": \"Early payment day after invoice\",\n \"value\": \"10\",\n \"type\": \"text\",\n \"help\": \"Use whole numbers for month and payment-day fields.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"netPaymentDay\",\n \"label\": \"Full payment day after invoice\",\n \"value\": \"30\",\n \"type\": \"text\",\n \"help\": \"Use whole numbers for month and payment-day fields.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"financingAnnualPercent\",\n \"label\": \"Simple annual financing rate (%)\",\n \"value\": \"12\",\n \"type\": \"text\",\n \"help\": \"Use a decimal point, up to six decimal places and no thousands separators.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"fixedFinancingFee\",\n \"label\": \"Fixed financing fee per invoice\",\n \"value\": \"5\",\n \"type\": \"text\",\n \"help\": \"Use a decimal point, up to six decimal places and no thousands separators.\",\n \"showWhen\": {\n \"entryMode\": [\n \"single\"\n ]\n }\n },\n {\n \"key\": \"invoicesCsv\",\n \"label\": \"Invoice batch CSV\",\n \"value\": \"name,invoiceAmount,discountPercent,earlyPaymentDay,netPaymentDay,financingAnnualPercent,fixedFinancingFee\\nInvoice 1,10000,2,10,30,12,5\\nInvoice 2,5000,1,10,45,8,0\",\n \"type\": \"textarea\",\n \"help\": \"Exact headers: name,invoiceAmount,discountPercent,earlyPaymentDay,netPaymentDay,financingAnnualPercent,fixedFinancingFee. Batch mode uses these rows and ignores the one-invoice fields. Use unique names, decimal points and no thousands separators. Days are whole numbers; the full-payment day must be later than the early-payment day.\",\n \"showWhen\": {\n \"entryMode\": [\n \"batch\"\n ]\n }\n }\n ],\n \"input\": false,\n \"presentation\": \"metrics\",\n \"note\": \"Compare the buyer cost of taking an invoice discount with financing the discounted payment until the full-payment date. Interest is simple annual interest on the discounted amount for the difference in payment days, plus one fixed fee per invoice. Discount rates are 0 to 99 percent; financing rates are 0 to 1000 percent. A negative break-even rate means the fee alone exceeds the saving. Annualized returns assume repeatable identical opportunities and are not promised returns. Effective annualized percentages above 100000000000000 are reported as null with a limit flag. No tax, exchange conversion or eligibility decision is included. Runs on your device without uploads in a cancellable worker with a 10-second timeout. Limit: 250000 combined input characters, 20 scenarios, 600 monthly periods or 1000 invoices. Complete JSON and typed JSON Pointer CSV files each have an 8000000-character limit; CSV is limited to 250000 values. Preview shows 200 rows. Inputs are preserved in downloads. All results use floating-point arithmetic without payment rounding.\",\n \"experience\": {\n \"automatic\": false,\n \"single\": false,\n \"inputMaxLength\": 1000000,\n \"inputMode\": \"text\",\n \"label\": \"Your text\",\n \"placeholder\": \"Type or paste your input…\",\n \"help\": \"Up to 1,000,000 characters. Review the settings before running.\",\n \"action\": null\n },\n \"mode\": \"explicit\",\n \"interactive\": false\n },\n \"execution\": \"Browser interface\",\n \"api\": null,\n \"browser_agent\": {\n \"supported\": true,\n \"name\": \"run_current_tool\",\n \"discovery\": \"WebMCP on the human page in a supporting browser\",\n \"verification\": \"See audit/API-AUDIT.md; availability is not verification\"\n }\n}\n```\n\n## Page guide\n\nCompare invoice discount savings with borrowing costs and fees before paying early.\n\nHow can we improve this tool?\n\nReport a problem or share an idea.\n\nPlease leave out private information. Your message and the tool name go to our team via PostHog.\n\n### How to use Early payment discount calculator\n\n1. Enter an invoice or choose batch mode and paste the invoice CSV.\n2. Set the discount terms, payment days, annual financing rate, fixed fee and day-count basis.\n3. Compare the net saving and break-even rate, then download the full invoice report.\n\n## Useful next steps\n\n- [Cash runway calculator](https://happytails.ai/en/business-tools/cash-runway-calculator/) ([Markdown](https://happytails.ai/en/business-tools/cash-runway-calculator.md))\n\n- [Percentage](https://happytails.ai/en/calculators/percentage/) ([Markdown](https://happytails.ai/en/calculators/percentage.md))\n\n- [Discount](https://happytails.ai/en/calculators/discount/) ([Markdown](https://happytails.ai/en/calculators/discount.md))\n\n## Compare the amount you actually finance\n\nFor a 10000 invoice with a 2 percent discount, the early payment is 9800. Financing cost uses that discounted principal for the days between early and full payment. Add the fixed fee once. A lower annual rate can still lose money when its fee exceeds the saving.\n\n### Read annualized figures carefully\n\nSimple annualized discount return scales the saving relative to the discounted payment by the entered day-count basis. Effective annualization assumes identical opportunities can repeat with reinvestment. These mathematical comparisons do not establish available credit, contractual eligibility or an achievable investment return.\n" }