annual equivalent of cost related to Simple and Compound Interest Rates?

Adele69
Adele69 Registered Posts: 320
Hi. I've been self studying Credit Control, with Osborne books and while they give this:

Simple Interest formula
(SD/100 - SD) x (365/PT - ES) x 100 where SD is Settlement Discount, PT is Payment Term and ES is Early Settlement

I haven't been able to find one for Compound Interest formula so have been browsing, but just found heated arguments in years past between Fonts of All knowledge and Tutors. Closest I got, pasting together bits I read but likely missing or plain wrong:

(1 + (SD/100 - SD) n? x (365/PT - ES) -1 x 100 but can't be sure of where n number of months goes
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