Tool 79 · Treasury, Strategy & Revenue
Evaluate whether paying supplier invoices early captures positive economic value. Given a discount term (e.g. 2/10 net 30), calculates the implied annualized return and compares it against your cost of capital. Portfolio mode greedily optimizes which invoices to pay early given a liquidity budget. Client-side. Zero PII.
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
v1.0
Single & Portfolio Mode
Export CSV · Markdown Memo