How net terms are counted
Net terms count calendar days, and the invoice date is day 0. Net 30 on an invoice dated 1 January 2026 is due on 31 January 2026. Weekends and holidays count like any other day, and months are not assumed to be 30 days: net 30 from 31 January 2026 is due on 2 March 2026, because February 2026 has 28 days. Net 7, net 15, net 45 and net 60 work the same way.
If your agreement counts from a date other than the invoice date, enter that date instead. The calculator also says how many days remain until the due date, counted from the date on your device, or how many days ago it passed.
End-of-month terms and due on receipt
Net 30 EOM is due 30 days after the last day of the month the invoice is dated in, so the wait depends on where in the month you invoice. The guide to invoice payment terms sets out the definition and what it does to your cash. This calculator treats due on receipt as due on the invoice date: 0 days of credit. On the client's side it is not a date at all, which is the guide's case for printing one.
When the due date lands on a weekend
The calculator never moves the due date. When it falls on a Saturday or Sunday, the result says so and names the following Monday as the next weekday. It does not know public holidays, so check those yourself. Whether a payment arriving on that Monday counts as on time is for your agreement to say.
Early-payment discounts such as 2/10 net 30
2/10 net 30 means the client may take 2 percent off by paying within 10 days of the invoice date; otherwise the full amount is due under net 30. Add the invoice amount for money figures. The calculator returns the last day to take the discount, the saving, the amount payable and the cost of the discount as a simple annual rate:
(percent ÷ (100 minus percent)) × (365 ÷ (term days minus discount days))
On 2/10 net 30 you accept $9,800 twenty days early instead of $10,000 on the due date, which is the same as borrowing $9,800 for twenty days and paying $200 for it. For the client, taking the discount earns that same rate. It is a simple rate; compounding would make it higher.
Worked example
An invoice for $10,000 dated Friday 2 October 2026, on 2/10 net 30:
| Result | Calculator output |
|---|---|
| Due date | Sunday 1 November 2026, 30 days |
| Weekend | Yes; next weekday Monday 2 November 2026 |
| Last day for the discount | Monday 12 October 2026 |
| Discount | $200 |
| Payable if taken | $9,800 |
| Cost as an annual rate | about 37.2% |
The working: 2 October plus 30 days is 1 November, a Sunday, and (2 ÷ 98) × (365 ÷ 20) = 0.372, or about 37.2% a year. Switch the same invoice to net 30 EOM and it is due on Monday 30 November 2026, 59 days out. The same discount then costs about 15.2% a year, because the client gives up 49 days of credit rather than 20.
After the due date
How to chase an overdue invoice covers what to send and when, and the late fee calculator works out what a late fee in your agreement comes to. Forecasting revenue that arrives in lumps shows how due dates become a monthly view of cash, and the runway calculator counts how many months that cash lasts. If you invoice in RunwayDue, automatic invoice reminders are off until you switch them on; the default schedule sends one 3 days before the due date, one on it, then 7, 14 and 30 days after, skipping weekends. Reminders are part of Pro, which costs $15 a month billed annually or $17 month to month; the Free plan does not include them. All three calculators are on the free tools page.
Frequently asked questions
Is the annual rate what an early-payment discount costs me in money?
No. The money cost is the discount itself: $200 on a $10,000 invoice at 2/10 net 30. The annual rate, about 37.2% for 2/10 net 30, puts that cost on the same scale as other ways of getting cash sooner, such as borrowing, so you can compare them. It assumes the client would otherwise pay on the due date; a client who pays late changes the comparison.
Under end-of-month terms, does the discount window start from the invoice date?
In this calculator, yes. The discount days always count from the invoice date, while the due date counts from the month end. If your agreement counts the discount period from the month end as well, enter the last day of the month as the invoice date with ordinary net terms, and the deadline and rate will match that reading.
Why does the calculator show no annual rate?
There is none when the discount period is as long as the payment term or longer, as with 2/10 net 10, or when the invoice is due on receipt. The client gives up no days of credit by paying early, so there is nothing to annualise. The deadline, and the saving if you gave an amount, are still shown.
Will the due date differ by time zone?
No. The calculator works with calendar dates and no time of day, so the same invoice date and terms give the same due date wherever you are.