Free receivables calculator
Early Payment Discount Optimizer
Offering a discount for early payment has a cost — but so does waiting. Enter your own figures for an illustrative break-even discount. This is not evidence from an uploaded AR file.
Illustrative / educational only. Enter your own numbers — this calculator does not use your DueClarity account data, and its outputs are hypothetical (not evidence from an uploaded AR file).
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What this means
Waiting 45 days to collect $25,000 costs you roughly $308 in float, given your 10.0% cost of capital. That means you could offer up to a 1.23% early-payment discount ($308 off, for a discounted total of $24,692) and still come out even versus waiting - any smaller discount that gets the customer to pay sooner is pure upside.
DueClarity compares each AR upload to your last one — what changed, who to prioritize, and what to do next.
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