Net 30 payment terms calculator

What does Net 30 mean?

Net 30 is a payment term stating that the full ("net") invoice amount is due 30 calendar days after the invoice date. It's one of the most common ways businesses agree on when an invoice gets paid. Net 30 is the default business standard — long enough for client accounts-payable cycles, short enough to stay healthy. Counting starts from the invoice date unless your contract says "from receipt" or "from delivery", so spell out which one you mean on the invoice.

Early-payment discounts & late fees

You can pair Net 30 with an early-payment discount written as "2/10 Net 30" — 2% off if the client pays within 10 days, otherwise the full amount is due in 30 days. To discourage late payment, many businesses add a late fee of roughly 1.5% per month on overdue balances. State both the due date and any late-fee policy clearly on every invoice so there's no ambiguity.

How to put Net 30 on an invoice

A client shouldn't have to work anything out. Put these fields in the invoice header, next to the total:

• Invoice date — the day you issue it; the 30 days count from here.
• Terms — "Net 30", or clearer still, "Payment due 30 days from invoice date".
• Due date — the actual calendar date, not just the term. It's what the client keys into their payables system.
• Late fee, if your contract allows one — e.g. "1.5% per month on overdue balances".
• Early-payment discount, optional — e.g. "2/10 Net 30".

A worked example

You issue a $2,400 invoice on March 15, 2026 on Net 30 terms. It's due on April 14, 2026: add 30 calendar days, weekends and holidays included. If that date falls on a weekend, payment is still due that day unless your contract says otherwise — many clients pay the business day before or after, so spell it out if it matters to you.

Net 30 is not "the same date next month". An invoice dated January 31, 2026 is due on March 2, 2026, because February has only 28 days in 2026 — another reason to always print the exact date.

What a 2/10 Net 30 discount really costs

Under "2/10 Net 30", a client who pays on day 10 instead of day 30 saves 2% for paying 20 days early. As an annual interest rate that is 2/98 × 365/20 ≈ 37.2%. For you that's expensive money: giving up 2% of every invoice only makes sense if getting paid sooner saves you from costlier borrowing. For the client, taking the discount is almost always worth it.

Net 30 and the US federal government

If you invoice a federal agency, the Prompt Payment Act sets a default of 30 days from the agency's receipt of a proper invoice, and requires interest penalties when payment is late. Check your contract's invoice requirements — the 30 days only start once the agency has a proper invoice. Details from the Bureau of the Fiscal Service.

Dates are calculated by adding calendar days (UTC), with no weekend or holiday adjustment. Last reviewed October 20, 2026. Methodology

Common net payment terms