TReDS Invoice Discounting Calculator

What you receive upfront when discounting an invoice on TReDS: discount charge, platform fee, net advance and annualised cost.

Confirmed/approved by the buyer
Bid-driven; typically 10–16% for strong buyers
You receive upfront
₹0
Discount charge₹0
Platform fee₹0
GST on charges₹0
Buyer pays on due date₹0
Effective annualised cost—
Cost as % of invoice0%
⚡
Why the effective rate beats the headline: the discount rate is pro-rata, but platform fee + GST are charged on the full invoice and their weight grows as tenor shrinks — so a 60-day deal at 13% can cost ~19% annualised. Compare bids on effective cost, not the headline rate. Still usually the cheapest short-tenor route for confirmed receivables.
Estimate: charge = value × rate × days/365; effective cost annualised on net advance. GST at 18% where applicable. Platform names: RXIL, M1xchange, Invoicemart (RBI-licensed TReDS exchanges). Indicative — actual bids vary; verify on the platforms.
Verified September 2026 · Methodology · Report outdated info

How to use the TReDS Invoice Discounting calculator

  1. Enter invoice value and days to due date.
  2. Enter the discount rate and platform fee.
  3. Read the net amount and effective annual cost.

About this tool

TReDS lets MSMEs sell invoices raised on large buyers at a discount. This shows the cash you get today and what it costs per year.

Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem

Questions people ask

What is TReDS?

An RBI-regulated platform where MSME invoices on corporate and PSU buyers are auctioned to financiers for early payment.

Is TReDS a loan?

No. It is sale of a receivable without recourse to the MSME, so it does not appear as debt.