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Skonto calculator: is the early payment discount worth it?
Enter the invoice amount and payment terms and see how much you save – and how expensive it is not to use the Skonto.
The calculation runs only in your browser. Nothing is sent to us or stored.
How it is calculated
- Discount amount = invoice amount × Skonto rate.
- Effective annual interest rate = Skonto rate ÷ (100% − Skonto rate) × 360 ÷ (payment term − discount period).
- A high annual rate means: using the Skonto is usually worth it even if you briefly use your overdraft for it.
Frequently asked questions
Do I have to offer Skonto?
No. Skonto is voluntary. If you offer it, the Skonto rate and the period belong on the invoice.
How do I book Skonto?
Skonto reduces the consideration. When you receive it, the input VAT (Vorsteuer) is reduced accordingly; when your clients pay, the output VAT (Umsatzsteuer).
Is Skonto calculated on the gross or the net amount?
In practice mostly on the gross amount of the invoice; the VAT is then corrected proportionally.
Invoices and taxes without a pocket calculator
Kontelio calculates VAT, deadlines and profit automatically from your invoices and receipts.
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