---
title: "Annual vs monthly billing"
description: "What paying a year up front really costs: the premium for monthly, the break-even month and the interest rate the discount works out to."
canonical: "https://lopifi.com/tools/billing-cadence"
---

# Annual vs monthly billing

> What paying a year up front really costs: the premium for monthly, the break-even month and the interest rate the discount works out to.

Source: https://lopifi.com/tools/billing-cadence
Part of: Lopifi — US GAAP books on autopilot, checked by a CPA (https://lopifi.com)

---

- **Group:** Software

## Inputs

- `monthly` — Monthly plan, per seat per month
- `annual` — Annual plan price, per seat
- `basis` — The annual price is quoted
- `seats` — Seats
- `currency` — Currency (ISO 4217 code — sets the decimals: JPY 0, USD 2, KWD 3.)

Runs entirely in the browser: no network call, no data leaves the page. The same definition powers the Lopifi Tools Chrome extension.