NET TERMS COST CALCULATOR
What Does Net 30 Cost Me?
See what waiting to get paid actually costs.
YOUR TERMS
Change any number. The answer updates immediately.
YOUR ANSWER
Waiting 30 days costs you
Daily cost$3.29 / day
Cash received after waiting$10,000.00
Estimated financing cost$98.63
$10,000.00 × 12% × 30 ÷ 365
AT THE SAME RATE
Compare Payment Terms
Longer terms tie up the same invoice amount for more days.
Net 15$49.32
Net 30$98.63
Net 45$147.95
Net 60$197.26
Net 90$295.89
PRICE THE WAIT
What Should I Charge?
Want Net 30 to be worth the same as getting paid today?
- Get paid today
- $10,000.00
- Net 30 equivalent price
- $10,098.63
- Financing premium
- +$98.63
Calculated locally in your browser. No account, upload, or saved invoice data.
Version 1.0.0This calculator provides a simple estimate of the financing cost of delayed payment. It does not include taxes, inflation, collection risk, or other business costs.