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Net 30 Calculator: Invoice Due Date for Any Net Terms

This net terms calculator takes an invoice date and your terms and returns the exact due date, the weekday it lands on, and what an early payment discount is worth — for net 7 through net 90, plus EOM and receipt of goods.

Reviewed and updated September 2026

How net terms are counted

The clock starts on the invoice date, not the date goods arrive and not the date you open the envelope. Net 30 means the full balance is due 30 calendar days later. Weekends and public holidays are included in the count unless your agreement says business days.

Terms	Days to pay	Commonly used for
Net 7 / Net 10	7 / 10	New accounts, small orders, higher-risk buyers
Net 15	15	Services, freelancers, short-cycle suppliers
Net 30	30	The common standard, and the usual starter vendor tradeline
Net 45	45	Larger buyers negotiating longer cycles
Net 60	60	Established relationships, bigger order values
Net 90	90	Enterprise and government buyers

If your terms build business credit

Paying on the due date is the whole point of a vendor tradeline. A supplier that reports your payment history turns each settled invoice into a record on your business credit file. A supplier that offers terms but reports to nobody gives you the cash-flow benefit and no credit file at all, so ask which bureaus and how often before you open an account.

The CEO Creative reports monthly to Equifax Business, Creditsafe and FairFigure. Accounts are assessed on your EIN, with a decision within one business day, with a $60 minimum order and credit lines up to $5,500.

Open a Net 30 Account

Worked examples

The arithmetic is simple but the edge cases catch people out, so here are the ones that come up most:

Invoice date	Terms	Due date	What to watch
Mon 5 January	Net 30	Wed 4 February	Thirty days lands mid-week, no complication.
Thu 15 January	Net 30	Sat 14 February	Falls on a weekend. Pay the Friday before rather than the Monday after.
Sat 31 January	Net 30	Mon 2 March	Short months shift the date. February is why net 30 is not “the same date next month”.
Fri 20 February	Net 60	Tue 21 April	Longer terms cross more month boundaries, so count days rather than months.

Note the third row. Net 30 is thirty days, not one month. An invoice dated 31 January is due 2 March in a normal year, not 28 February, and that two-day difference is a late payment if you assume the month rule.

Variations you will meet in contracts

Most suppliers use plain net terms, but a few conventions change what the calculator’s answer means:

Term	What it means
2/10 net 30	2% off if you pay within 10 days, full balance due at 30. Taking the discount is usually a strong return for paying twenty days early.
1/10 net 30	The same structure with a 1% discount.
Net 30 EOM	Thirty days from the end of the invoice month, not from the invoice date. An invoice dated 3 March is due 30 April, not 2 April.
Net 30 ROG	Thirty days from receipt of goods. The clock starts on delivery, which can be days or weeks after the invoice.
Due on receipt	Not a net term at all. Payment is expected immediately and nothing is being financed.

The calculator above counts plain calendar days from the invoice date, which covers the large majority of B2B invoices. If your agreement says EOM or ROG, adjust the start date before entering it.

Why the due date matters more on a young credit file

If your supplier reports to the business credit bureaus, the due date is not just a cash-flow deadline, it is the thing being measured. A tradeline records whether terms were met as agreed, so the difference between paying on the due date and paying three days later is the difference between a positive entry and a negative one.

That gap costs disproportionately on a thin file. A business with two years of history absorbs one late mark; a business with three months of history does not, because there is almost nothing else recorded to weigh against it. If your payment run is weekly, the safe habit is to pay the run before the due date rather than the one after, and to treat a weekend due date as falling on the preceding Friday.

It is also worth knowing that paying early does not score better than paying on time. On-time is the standard being measured, so there is no credit advantage in settling on day two rather than day thirty. What early payment does buy you is a discount where one is offered, and a clear line for the next order.

The 2026 guide to net 30 payment terms and business credit covers what a tradeline actually records and how a file builds from it.

Calculate any net term against one invoice date

The quickest way to see what a term actually costs you in time is to hold the invoice date still and change only the term. Every date below is counted from Tuesday 10 March 2026, in calendar days.

Terms	Due date	What to watch
Net 7	Tue 17 March 2026	A week is a payment run, not a credit line. Usual for new accounts.
Net 10	Fri 20 March 2026	Often paired with a discount, as in 2/10 net 30.
Net 15	Wed 25 March 2026	Common for services and freelancers.
Net 21	Tue 31 March 2026	Three clean weeks. Rare, but it appears in retail supply.
Net 30	Thu 09 April 2026	The standard, and the usual starter vendor tradeline.
Net 45	Fri 24 April 2026	Crosses a month boundary, so count days rather than months.
Net 60	Sat 09 May 2026	Lands on a Saturday. Pay the Friday before, not the Monday after.
Net 90	Mon 08 June 2026	Crosses three month ends. Enterprise and government buyers.

Note what happens at net 60. The same invoice, counted correctly, falls on a weekend — and on a young credit file a payment marked late costs far more than paying two days early.

For where each term earns its keep, see net 30 compared with net 15, net 45 and net 60.

MFI and prox, the two that catch people out

EOM and ROG change where the clock starts. Two more conventions change it again, and both are easy to misread as ordinary net terms.

Term	What it means	Worked from a 10 March 2026 invoice
Net 30 EOM	Thirty days from the end of the invoice month, not the invoice date.	Due Thu 30 April 2026, not 9 April.
15 MFI	Monthly following invoice — due on the 15th of the month after the invoice.	Due Wed 15 April 2026.
15th prox	Proximo. The same idea in older contract language: the 15th of the next month.	Due Wed 15 April 2026.
Net 30 ROG	Thirty days from receipt of goods, so the clock starts on delivery.	Depends on the delivery date, not the invoice date.

MFI and prox both compress at the end of a month. An invoice dated 28 March on 15 MFI terms gives you eighteen days; the same terms on a 2 March invoice give you forty-four. If your supplier bills monthly on prox terms, invoice timing matters more than the number attached to it.

What skipping an early payment discount costs

A discount for early payment is a financing decision, not a saving. If you take 2/10 net 30 you give up twenty days of credit to keep 2% of the balance. Expressed as an annual rate, that is what declining the discount costs you.

Offer	Rate for the period	Days of credit given up	Annualised
2/10 net 30	2.04%	20	37.2%
1/10 net 30	1.01%	20	18.4%
2/10 net 15	2.04%	5	149.0%

The arithmetic is the discount divided by what you actually pay, scaled to a year: 2 ÷ 98 = 2.04% for twenty days, and 365 ÷ 20 = 18.25 such periods, so 37.2% a year. Any discount worth more annually than your cost of capital is worth taking when the cash allows. Note the third row: the shorter the gap between the discount date and the due date, the more expensive it is to ignore.

One thing a discount does not buy is a better credit record. A tradeline records whether terms were met as agreed, so paying on day ten rather than day thirty is recorded the same way. Nothing here is financial advice.

The arithmetic is taken further in mastering net 30 early payment discounts, and the shorthand itself is unpacked in 1/10 net 30 explained.

Working due dates out in a spreadsheet

For a batch of invoices, a spreadsheet is faster than any calculator. With the invoice date in A2 and the term in days in B2:

What you want	Formula
Plain net due date	=A2+B2
Due date, pushed off a weekend	=WORKDAY(A2+B2-1,1)
Days remaining today	=A2+B2-TODAY()
End of invoice month (for EOM)	=EOMONTH(A2,0)+B2
15th of the following month (MFI or prox)	=EOMONTH(A2,0)+15

These work in Excel and Google Sheets alike. WORKDAY shifts a weekend due date to the next business day, which is the opposite of what a thin credit file wants — pay the Friday before instead, and use the formula only to see which dates need attention.

The net 30 due date formula, part by part

Every due date is four decisions, and only one of them is the number on the invoice. Get any of the other three wrong and the arithmetic is irrelevant.

Part	Default	What changes it
Where the clock starts	The invoice date	EOM starts at month end. ROG starts on delivery. MFI and prox start from the following month.
What you count	Calendar days	Only an explicit “business days” in the agreement. It is rare, and it must be written down.
How you count day one	The invoice date is day zero	Nothing, in practice. An invoice dated 1 September on net 30 is due 1 October, not 30 September.
What happens at the end	The date is the date	Weekends and public holidays, if your terms say so. If they do not say, assume they do not move it.

So: take the start date, add the term in calendar days, then check the landing. An invoice dated 14 August on net 45 is due 28 September — not “mid-September”, which is what the month habit suggests.

Net 7 to net 90, and what each one is actually for

The number is a risk decision dressed up as a convenience. Here is what each band tends to mean in practice.

Which payment term should you offer?

If you are the one issuing the invoice, the term is a pricing decision. Four questions settle it faster than any rule of thumb.

1. Can you fund the gap? Offering net 60 means carrying two months of your own costs. If that is uncomfortable at your current volume, the answer is already no, whatever the buyer wants.
2. What does the buyer’s process expect? Terms that match a buyer’s normal payment run get paid. Terms that require someone to request an exception get forgotten. Net 30 is frictionless almost everywhere; net 12 is not a thing and will simply be paid at 30.
3. Does the margin pay for the wait? Longer terms are a discount you are giving without calling it one. If you would not drop the price by 2% to win the order, think carefully before handing over twenty extra days, which costs about the same.
4. Who chases it on day 31? A term with no collection process behind it is a suggestion. Decide this before you offer the terms, not after the first invoice goes late.

The honest default for most B2B sellers is net 30 with a stated late-payment charge, and an early-payment discount only if you actually need the cash sooner — because as the table above shows, a discount is expensive money.

If you are setting terms for the first time, best practices for implementing net 30 payment terms covers the operational side, and the true cost of net 30 puts a number on the wait.

What quietly moves a due date

Most late payments are not refusals. They are arithmetic nobody checked, and several of them turn up in the common mistakes made when creating net 30 invoices.

• Invoicing late. The clock starts on the invoice date, not the day the work finished. Raise it four days late and you have shortened your own terms by four days.
• A variant hidden in the wording. EOM, ROG, MFI and prox all look like net terms and none of them counts from the invoice date. An invoice dated 3 March on net 30 EOM is due 30 April, not 2 April — a 28-day difference sitting behind two extra letters.
• Receipt of invoice rather than invoice date. Some contracts start the clock when the invoice arrives in the buyer’s system. If it sat in an inbox for a week, that week is yours to lose.
• Short months. An invoice dated 31 January on net 30 is due 2 March in a normal year, not 28 February. Anyone treating net 30 as “the same date next month” is two days late before they start.
• A dispute. A queried line can restart the clock on the whole invoice in some terms and on nothing at all in others. Worth knowing which yours does before you need to know.
• The payment run calendar. A due date that lands the day after a buyer’s weekly run waits for the next one. That is not lateness, it is scheduling, and it is avoidable by dating the invoice two days earlier.

How to get paid closer to the due date

None of this is clever. It is the unglamorous list that moves money. On the wider cash position, see how net 30 accounts help a business manage cash flow and the quarter-end cash flow reset.

• Put the actual date on the invoice. “Terms: Net 30” invites two people to count from two different days. “Due 1 October 2026” does not. This is the single cheapest change on the list.
• Invoice the same day the work completes. Every day of delay is a day off your own terms, and it is the one variable entirely within your control.
• Send it where it gets processed. Accounts payable, not your day-to-day contact, and with whatever reference the buyer needs — a PO number missing from an invoice is one of the most common reasons an otherwise approved payment sits still.
• Remind before, not after. A short note a week before the due date is a courtesy and gets the invoice into the next run. The same note on day 33 is a chase, and it is already too late to be easy.
• Know the buyer’s payment run. Most businesses pay on a fixed cycle. Learn it once and date your invoices so the due date lands just before it rather than just after.
• State the late charge, then mean it. An interest clause nobody has ever applied is decoration. One that is applied consistently changes how you are sequenced in the next payment run.

And if the payment history matters as much as the payment — because you are building a business credit file rather than just collecting — then the due date stops being a cash-flow deadline and becomes the thing being measured. On a young file, paying two days early costs nothing and a single late mark costs a great deal.

Questions about net terms

Does net 30 mean 30 business days or calendar days?

Calendar days, unless the contract explicitly says business days. Thirty calendar days from a Monday invoice lands roughly four weeks and two days later, weekends included. If a supplier means business days they have to say so, because the default reading is calendar.

When does the clock start — invoice date or delivery date?

The invoice date in almost all cases. Some contracts specify receipt of goods or receipt of invoice instead, which can shift the due date by several days, so it is worth checking rather than assuming.

What happens if the due date is a weekend or holiday?

Practice varies. Many suppliers accept the next business day; others count the calendar date strictly. If your payment run is weekly, pay the business day before rather than after, because a late mark on a thin credit file costs far more than paying two days early.

What is 2/10 net 30?

It means a 2% discount if you pay within 10 days, with the full balance due at 30. Worth taking when your cash allows, because 2% for paying 20 days early is a strong effective return.

Is net 60 or net 90 better than net 30?

Better for your cash flow, harder to get. Longer terms are usually offered to established buyers with a trading history. If you are building a credit file, net 30 accounts are the standard entry point and report exactly the same as longer terms.

Does paying early improve my business credit more?

No. On-time is what gets reported and on-time is the standard measured against. Paying early frees the account for your next order sooner, but it does not create a stronger entry than paying on schedule. What genuinely damages a young file is paying late.

What does net 30 mean on an invoice?

The full amount is due 30 calendar days after the invoice date. The word “net” refers to the amount payable after any agreed deductions — it has nothing to do with the number beside it. There is no discount for paying sooner unless the invoice states one separately, and anything arriving after day 30 is late.

How do I work out net 30 from today?

Add 30 calendar days to today. Set the invoice date above to today and the due date appears with the days remaining; in a spreadsheet it is =TODAY()+30. The part people miss is that the clock starts on the invoice date, not the day the work finished. Raise the invoice three days late and you have quietly given away three days of your own terms.

How do I calculate a net 45 due date?

Add 45 calendar days to the invoice date. An invoice dated 1 September is due 16 October. Net 45 almost always crosses a month boundary, which is exactly where the “same date next month” habit goes wrong — count days, never months. The table above shows net 45 against the same invoice date as every other term.

What is 1/10 net 30, and how does it compare with 2/10 and 3/10?

All three are the same shape: a discount if you pay by day 10, the full balance at day 30. Only the percentage moves, and the percentage matters more than it looks.

1/10 net 30 is 1% off, and turning it down costs about 18.4% a year. 2/10 is 2% and 37.2%. 3/10 is 3% and 56.4%. Those annual figures are what declining the discount costs you, because you are paying for twenty extra days of cash. Any of them beats most overdrafts.

Is net 30 the same as “30 days net” or “N30”?

Yes — the same term written three ways, and the arithmetic is identical. What does change the answer is the words after the number. “30 days from end of month” and “30 days from receipt of goods” start the clock somewhere else entirely and can move the due date by weeks. Read the words, not just the number.

Are net 30 vendor accounts the same as net 30 payment terms?

No, and the difference is the whole point if you are trying to build a credit file. Net 30 payment terms are just a due date on an invoice. A net 30 vendor account is an account with a supplier who reports your payment history, so every settled invoice becomes a tradeline on your business credit file.

Plenty of suppliers will extend thirty-day terms and report to nobody, because terms cost them nothing. So ask which bureaus, and how often, before opening an account expecting it to build anything. The CEO Creative reports monthly to Equifax Business, Creditsafe and FairFigure. We never report to Dun & Bradstreet or Experian.

What does net 5 or net 7 mean?

Payment is due within 5 or 7 calendar days of the invoice date. Very short terms turn up on new accounts, on small values, and wherever the supplier has no appetite for credit risk at all. Anything under net 7 usually needs a card or direct debit behind it, because a weekly bank payment run cannot reliably hit a five-day deadline.

Does net 30 have an interest rate?

Not one of its own — it is a deadline, not a loan with a rate attached. Two rates do attach to it in practice. The first is whatever late-payment interest your terms set out, commonly 1.5% a month. The second is invisible until you look for it: the annualised cost of turning down an early-payment discount, which is 37.2% a year on 2/10 net 30.

How do I work out the next date in a billing cycle?

Add the cycle length to the last billing date, then add your payment terms to that result. A cycle is usually 28, 30 or 31 days, or one calendar month. Monthly cycles that bill on the 31st roll back to the last day in shorter months, which is why February quietly breaks more billing schedules than any other month.

What does a net 30 line look like on a real invoice?

Something close to this: Terms: Net 30. Invoice date 1 September 2026. Due 1 October 2026. Late payments subject to interest at 1.5% per month.

Writing the actual due date beside the term is the single cheapest thing you can do to avoid a payment dispute. “Net 30” alone invites two people to count from two different days.

This calculator counts calendar days from the invoice date. Your own supplier agreement takes precedence. Nothing here is financial or legal advice.