Tool 79 · Treasury, Strategy & Revenue

Dynamic Discounting &
Working Capital Optimizer

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.

Zero PII · Client-Side Only Single & Portfolio Mode Export CSV · Markdown Memo

Configuration

Hurdle Rate

Cost of Capital / Hurdle Rate (%) Annual rate — e.g. WACC, revolving credit line rate, or opportunity cost

Invoice Details

Discount Term Shorthand

Or enter fields manually below

Invoice Amount ($) Discount % (e.g. 2 for 2%) Discount Window (days) Net Payment Terms (days)

Optional

Available Cash Buffer ($) Used to show post-payment liquidity runway

⚖️

Enter invoice details

Fill in the discount term and invoice amount on the left, then click Calculate to evaluate early payment value.

Dynamic Discounting &Working Capital Optimizer

Dynamic Discounting &
Working Capital Optimizer