Invoice factoring calculator

Cost of getting paid early.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18

Invoice value

Factoring fee

2.5%

Days early

You receive

$39,000

Annualised cost

20.3%

With these inputs, you receive comes to $39,000. Annualised cost works out to 20.3%.

What moves the number · You receive

Input	−10%	Now	+10%
Invoice value	$35,100	$39,000	$42,900
Factoring fee	$39,100	$39,000	$38,900

Whatmakesequal

Save this set of inputs, change something, then save again to compare the outcomes side by side.

Cost of getting paid early.

With the defaults above, you receive works out at $39,000.