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Credit a prompt-payment discount — referenced and clear, in a professional PDF.
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An early-payment credit note credits the discount a customer earned by paying an invoice ahead of terms — a standard prompt-payment (settlement) discount. It offsets the discount against the invoice so the paid amount reconciles.
This template opens with itemised lines. Reference the invoice, credit the settlement discount, note the terms met, and download a PDF credit note.
Note: Prompt-payment discount · references the original invoice
Issue a credit note referencing the invoice for the settlement discount the customer earned, with the tax adjusted. It reconciles the reduced amount they paid against the full invoice.
Because the discount is conditional on early payment — you only know it applies once they pay in time. A credit note records it accurately after the fact.
Yes — create and download it with no account.
Yes — CalculatorAI's credit note generator is completely free. Create, customise and download as many professional PDF credit notes as you want, with no signup, no watermark and no trial limit. A free account adds saved clients, history and the Invoices Tracker.
A credit note (or credit memo) is a document that cancels or reduces an amount on an invoice you already sent — for a return, cancellation, overcharge or post-invoice discount. It references the original invoice and is either applied against the buyer’s account or refunded.
A credit note cancels or reduces an invoice you already sent. The Invoices Tracker keeps your invoices, credit notes and what each client still owes together — so your books always reconcile.
Open the Invoices Tracker