Net payment terms calculator
Enter the invoice date and the payment term to get the exact due date — for Net 30, Net 60 or any number of days.
How to use it
- Invoice date
- The date printed on the invoice — normally the day you send it. The term counts from this date unless your contract says "from receipt" or "from delivery".
- Payment term
- Pick a common term or type any number of days. Net 30 means 30 calendar days, weekends and holidays included.
- Due date
- Copy this exact date onto the invoice next to the terms, so the client doesn’t have to count.
The formula
Due date = invoice date + N calendar days
Worked example
An invoice dated March 15, 2026 on Net 30 is due April 14, 2026; the same invoice on Net 60 is due May 14, 2026. Count calendar days, not business days, and don't use "the same date next month": months have 28 to 31 days, so that shortcut is wrong more often than not.
Common terms and who uses them
| Term | Typical use |
|---|---|
| Net 7 | Net 7 is common for freelancers and small studios that need fast cash flow on smaller jobs. |
| Net 10 | Net 10 keeps cash moving quickly and is often paired with an early-payment discount. |
| Net 14 | Net 14 (two weeks) is a popular middle ground for freelancers and agencies. |
| Net 15 | Net 15 is widely used by small businesses and contractors who want predictable, twice-monthly cash flow. |
| Net 21 | Net 21 (three weeks) gives clients a little more room than Net 14 without a full month wait. |
| Net 30 | Net 30 is the default business standard — long enough for client accounts-payable cycles, short enough to stay healthy. |
| Net 45 | Net 45 is common with larger clients and some retailers that run a longer payables cycle. |
| Net 60 | Net 60 shows up in enterprise and wholesale deals where buyers expect extended terms. |
| Net 90 | Net 90 is typical for enterprise, government, and large procurement contracts. |
| Net 120 | Net 120 is an extended term seen in large corporate and government supply agreements. |
Choosing a term
Shorter terms get you paid sooner; longer terms win deals with buyers whose accounts-payable runs on a fixed cycle. Freelancers and small studios usually ask for Net 7–15 or "due on receipt", most business-to-business invoices use Net 30, and large companies, retailers and government buyers often require Net 45–90. Whatever you agree, write it into the contract before the work starts — the invoice should confirm terms, not introduce them.
Variants you will see on invoices
- Due on receipt
- Payment is due as soon as the client receives the invoice. In practice many clients still pay within a week or two.
- 2/10 Net 30
- 2% discount if paid within 10 days, otherwise the full amount in 30. It costs you 2% to be paid 20 days sooner — an annualized rate of about 37%.
- Net 30 EOM
- End of month: the 30 days start from the last day of the invoice month, not the invoice date. An invoice dated March 5 is due on April 30, not April 4.
Net 30 in detail: invoice wording, discounts and federal rules · Glossary: net terms · Methodology
Frequently asked questions
Do net terms count weekends and holidays?
Yes. Net terms count calendar days. If the due date lands on a weekend or holiday, it is still the due date unless your contract moves it to the next business day.
Does Net 30 start from the invoice date or the delivery date?
From the invoice date, by default. Some contracts start the clock on receipt of the invoice or delivery of the goods — if yours does, say so in the terms line.
What happens if a client pays after the due date?
The invoice is overdue. You can charge a late fee only if your contract allows one and it is within the limits of the law that applies to you; otherwise, a polite reminder that quotes the due date is the usual first step.
Is Net 30 the same as one month?
No. Net 30 is exactly 30 days. An invoice dated January 31, 2026 is due March 2, 2026, because February 2026 has 28 days.