Wholesale Pricing & Credit Calculator
Which bulk discounts and payment terms still keep me profitable?
Also known as: Wholesale MOQ tiers & credit terms calculator
Price list and terms
Lowest margin across your tiers, after credit
- Tier 1 · 100 units
- ₹15,033
- Tier 2 · 500 units
- ₹66,960
- Tier 3 · 1,000 units
- ₹1,21,611
- Early-pay discount, as a yearly rate
- 14.9%
₹420 a unit, ₹150 profit after ₹10 credit cost.
₹403 a unit, ₹134 profit after ₹9 credit cost.
₹391 a unit, ₹122 profit after ₹9 credit cost.
Compare with your cost of capital.
The early-payment discount costs more than your capital: waiting for payment is cheaper.
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How it works
How does the Wholesale Pricing & Credit Calculator work?
Giving buyers credit costs you the interest on that money: price × annual cost of capital × credit days ÷ 365, deducted from each unit's profit at every volume tier.
- Tier price = list price × (1 − tier discount).
- Credit cost per unit = tier price × cost of capital × days ÷ 365.
- An early-payment discount of d% within D days on Net-N terms costs d ÷ (1 − d) × 365 ÷ (N − D) a year; compare it with your cost of capital.
Worked example
₹420 list, ₹260 cost, 60-day credit at 14% cost of capital. 100 units at list earn ₹150 a unit after ₹9.67 credit cost (35.8% margin); 1,000 units at 7% off earn ₹122 (31.1%). A 2/10 net 60 early-payment discount costs about 14.9% a year, a little above your 14%.
Limits
Assumes buyers pay on time; late payment raises the credit cost. Bad debt isn't included.
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This free calculation runs locally and is a planning aid, not financial, tax or legal advice. Nothing you type leaves this page unless you choose to save it.