Part of the topic: 🐷 Saving, loans & retirement
Cash discount calculator (Skonto)
Enter the invoice amount and the payment terms (e.g. “2 % within 10 days, net 30 days”). The calculator shows how expensive it is to skip the discount.
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🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter the gross invoice amount.
- Enter discount % and both deadlines from the invoice.
- Compare the effective annual rate with your overdraft rate.
Last checked: October 2026 · Based on: Commercial interest formula (360 days); § 17 German VAT Act. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How expensive is skipping a 2 % cash discount?
With 2 % within 10 days, net 30, the effective annual rate is about 36.7 % – far more than most credit lines.
Is Skonto calculated on the gross or net amount?
Usually on the gross invoice amount; the VAT is then reduced proportionally (§ 17 UStG).
Should I use my overdraft to take the discount?
Usually yes: if the overdraft rate is lower than the effective Skonto rate, paying early with credit saves money.