Last reviewed 13 August 2026
Enter an invoice date and your payment terms to get the exact due date, the discount deadline and what late payment is worth, for Net 7 through Net 90 and EOM.
Net 30 means the full invoice amount is due 30 calendar days after the invoice date. To find any net due date, add the term days to the invoice date. Calendar days, not working days.
Example: an invoice dated September 1, 2026 on Net 30 terms is due October 1, 2026. The same invoice on Net 30 EOM is due October 30, 2026.
Change anything and the due date updates. Nothing is sent anywhere.
Enter a valid invoice date.
Enter an amount of zero or more.
Enter between 1 and 3650 days.
Enter a rate between 0 and 100 percent.
Enter between 0 and 99 percent.
Discount days must be fewer than the net days.
Enter between 1 and 3650 days.
The effective annual cost is what the buyer pays, in interest terms, for holding the cash instead of taking the discount.
The arithmetic the tool is running:
Due date = Invoice date + Term days (EOM: last day of invoice month + Term days)
The same invoice date on each common term, plus EOM.
| Term | Due date | Days from today |
|---|
Every row counts calendar days from your invoice date, so the terms are comparable. Net 30 EOM counts from the last day of the invoice month instead. An estimate for planning, not financial advice.
Key takeaways
Payment due date
October 1, 2026
Thursday
30 days to run on this invoice.
Paidnice applies your terms, chases the due date and adds late fees automatically.
No card required.
Net 30 is not a payment date, it is a credit decision. It says you will do the work, issue the invoice, and then wait a month before the money arrives.
That waiting period is a loan. You fund your customer's purchase out of your own working capital, interest free, for 30 days.
The term itself is fine. The damage comes from not knowing the exact due date, not stating it on the invoice, and not chasing it once it passes.
Three people read that due date differently:
The quick version. Add the term days to the invoice date and you have the due date. Everything else on this page is what happens either side of it: discounts before, interest after, and which term to offer.
| Net 30 due date | Invoice date + 30 calendar days |
| Net 30 EOM due date | Last day of invoice month + 30 days |
| Days counted | Calendar days, not working days |
| 2/10 Net 30 | 2% off by day 10, about 37% a year to skip |
| Excel, due date | =A2+30 |
| Excel, EOM due date | =EOMONTH(A2,0)+30 |
Every disputed due date comes from one of these four inputs. Due date = Invoice date + Term days looks trivial until a customer tells you the clock started when the goods arrived.
Almost always the invoice date: the date printed on the document, not the date the work finished. Invoice a week after delivery and you have added a week of waiting that no customer will ever pay you for.
The number after the word net: 7, 10, 15, 21, 30, 45, 60 or 90. Stick to the common ones and your customer's payables system handles it without a manual override.
Net terms count every day, including weekends and public holidays. A Net 30 invoice issued on a Friday is due on a Sunday roughly one month later. The calculator above names the weekday, and the business day box rolls a weekend due date to the Monday so you can see both. Decide which one you use and put the answer in your terms.
Straight from the invoice date is standard. EOM counts from the last day of the invoice month. Receipt of goods counts from delivery. These three produce due dates up to a month apart from the same invoice, so the basis belongs in writing.
A supplier issues a 4,800 dollar invoice on September 1, 2026 with Net 30 terms and a stated late payment rate of 8 percent a year.
Thirty one dollars of interest will not change anyone's year, and that is not the point of a late fee. A customer choosing which of forty invoices to pay this week pays the one that charges interest first. The difference is measured in weeks of cash, not dollars of interest.
The right term is the shortest one your customers will accept without going elsewhere. That is usually shorter than the terms you offer now, because most businesses set terms once and never revisit them.
Net 7 to Net 15
Tight
Best for new accounts, small values and high volume. Expect some pushback from larger buyers.
Net 21 to Net 30
Standard
The B2B default. Sits inside almost every buyer's payment run without an exception request.
Net 45 to Net 60
Financing the buyer
Worth it for volume or margin. Price it in, or pair it with an early payment discount.
Net 90 and beyond
Working capital risk
You are a lender now. Only for accounts you would extend real credit to, with a credit check behind it.
Net terms are one way to price the gap between delivery and payment. These are the others, and what each one costs you.
| Option | When money arrives | The trade |
|---|---|---|
| Net 30 | Day 30 | The B2B default. You fund one month of your customer's purchase, interest free. |
| COD | On delivery | No credit risk and no wait, but it rules you out of buyers whose payables run on invoices. |
| Prepayment | Before delivery | Best possible cash position. Hardest sell, and usually only available on scarce goods or new work with deposits. |
| Net 60 | Day 60 | Wins volume from large buyers. Doubles the working capital tied up and the exposure per account. |
| Installments | Spread over months | Recovers a balance the customer cannot pay in one go. Slower, but far better than a write off. |
| 2/10 Net 30 | Day 10, mostly | Buys 20 days of cash for 2 percent of the invoice, about 37 percent a year. |
For most B2B sellers who can absorb a one month gap between invoicing and payment, yes. The honest version of both sides:
Arguments for
Arguments against
Read your own terms against your actual collection days before you change anything. If you are on Net 30 and collecting in 38 days, that is normal payment run friction and the term is fine. If you are on Net 30 and collecting in 60, shortening the term to Net 15 will not help, because the problem is that nobody is chasing.
Net 30 is the B2B default. Freight and logistics runs shorter, construction and government run longer.
| Sector | Common terms | Why |
|---|---|---|
| Construction and trades | Net 30 to Net 60 | Progress claims and retentions stretch the tail |
| Manufacturing | Net 30 to Net 60 | Larger invoice values, longer supply agreements |
| Wholesale and distribution | Net 30 | Trade credit is part of the offer, discounts common |
| Professional services | Net 14 to Net 30 | Milestone billing, approval steps add days |
| Business services | Net 30 | Monthly billing cycles, often EOM dated |
| Software and SaaS | Net 15 to Net 30 | Card and direct debit shorten everything |
| Freight and logistics | Net 7 to Net 30 | Short terms, high volume, tight margins |
| Government and education | Net 30 to Net 45 | Fixed payment runs, purchase order matching |
Compiled from published trade credit practice, reviewed August 2026. Orientation only, not sourced benchmark data. Your customer size and contract terms move this more than your sector does.
Net 30 is the default, but it is not the only option, and the calculator above will date any of these against your invoice.
| Term | Days | Typically used for |
|---|---|---|
| Net 7 | 7 | New customers, small jobs, perishable goods |
| Net 10 | 10 | Trades and short project work |
| Net 15 | 15 | Faster cash without a hard deadline |
| Net 21 | 21 | Fits a three week supplier cycle |
| Net 30 | 30 | The B2B default, expected in most industries |
| Net 45 | 45 | Larger orders, established accounts |
| Net 60 | 60 | Long cash conversion cycles, big retail buyers |
| Net 90 | 90 | Only the most creditworthy accounts |
You will also see Net 5, Net 14 and Net 75. The arithmetic is identical: add the number to the invoice date.
These four change the start date rather than the day count, and they are where most due date disputes actually come from.
EOM cuts both ways. Net 30 EOM on an invoice dated the 1st of the month gives your customer 59 days to pay. On an invoice dated the 30th it gives them 30. If you bill early in the month and offer EOM terms, you have quietly doubled your own credit period.
An early payment discount is written as discount / discount days Net payment days. In 2/10 Net 30, the customer takes 2 percent off if they pay within 10 days, otherwise the full amount is due at 30.
The interesting number is what the customer gives up by not taking it. They are choosing to keep the cash for the 20 days between the discount deadline and the due date, and paying 2 percent for the privilege. Annualized, that is expensive money.
| Terms | Discount | Extra days held | Effective annual cost |
|---|---|---|---|
| 1/10 Net 30 | 1% | 20 days | 18.4% |
| 2/10 Net 30 | 2% | 20 days | 37.2% |
| 3/10 Net 30 | 3% | 20 days | 56.4% |
| 2/15 Net 30 | 2% | 15 days | 49.7% |
| 1/15 Net 45 | 1% | 30 days | 12.3% |
| 2/10 Net 60 | 2% | 50 days | 14.9% |
Effective annual cost = discount / (100 - discount) x 365 / (net days - discount days). Worked on the terms shown, not a market survey.
For the seller the arithmetic runs the other way. Offering 2/10 Net 30 costs you 2 percent of revenue to be paid 20 days sooner.
That is worth doing only if your cost of capital, or the risk of the invoice going bad, beats about 37 percent a year. For most businesses it does not, so a discount works better aimed at slow paying accounts than offered to everyone. The early payment discount calculator works the trade both ways.
The term on the invoice is rarely the reason money is late. These four are.
Nothing on this list changes your terms. All of it changes when the money arrives.
Paidnice applies your payment terms, sends reminders before and after the due date, and adds late fees automatically in Xero and QuickBooks.
See automated late feesWith the invoice date in cell A2:
=A2+30=A2+B2=TODAY()+30=EOMONTH(A2,0)+30=EOMONTH(A2,0)+15=WORKDAY(A2+30,0) will not move it, so use =WORKDAY(A2+29,1)=MAX(0,TODAY()-(A2+30))=C2*D2/365*MAX(0,TODAY()-(A2+30))Watch the cell format. Adding 30 to a date gives a serial number until you format the cell as a date. If your due date column shows 46,296 instead of a date, that is all that has happened.
A due date is the start of the chain. These answer what happens on either side of it.
| Tool | Question it answers | Output |
|---|---|---|
| Net 30 calculator | When is this invoice due | A date |
| Early payment discount | Is 2/10 Net 30 worth offering or taking | Effective annual rate |
| Late payment interest | What is owed now this invoice is overdue | Interest amount |
| Payment plan | What are the installments if they cannot pay in full | A schedule |
| DSO | How far your actual collection sits from your terms | Days |
The pairing worth running is Net 30 against DSO. Your terms set the floor, DSO tells you where you actually land, and the gap between them is the only number in this whole area that you can move on your own.
A Net 30 vendor account is a supplier account opened because that supplier reports your payment history to a business credit bureau.
Those bureaus include Dun and Bradstreet, Experian Business and Equifax Business. Paying the accounts on time builds a trade payment record, which is what a Dun and Bradstreet PAYDEX score is built from.
Two caveats:
Business credit bureau names and the PAYDEX trade payment basis checked against publisher documentation, August 2026. General information, not credit advice.
Take the invoice date and add the number of calendar days in your payment terms. Net 30 on an invoice dated September 1 gives a due date of October 1. Count calendar days, not working days, unless your terms say otherwise. If the terms are EOM, add the days to the last day of the invoice month instead of to the invoice date itself.
Net 30 means the full invoice amount is due 30 calendar days after the invoice date, with no discount for paying sooner unless one is stated separately. The word net refers to the amount payable after any agreed deductions. Payment after day 30 is late, and late fees or interest apply if your terms set them out.
Add 30 calendar days to today. Set the invoice date in the calculator above to today and the due date appears straight away, along with the days remaining. In a spreadsheet the formula is =TODAY()+30. Remember the clock starts on the invoice date, so if you issue the invoice three days after the work finishes, you have added three days to your own wait.
An invoice dated September 1, 2026 with Net 30 terms is due October 1, 2026. The invoice would carry a line such as: terms Net 30, due October 1, 2026, late payments subject to interest at 1.5 percent per month. Stating the exact date rather than only the term removes the most common cause of a disputed due date.
Add 45 calendar days to the invoice date. An invoice dated September 1 on Net 45 is due October 16. The calculator above handles Net 7, 10, 15, 21, 30, 45, 60, 90 and any custom day count, and the comparison table shows every term against the same invoice date so you can see what an extra 15 days actually costs you.
EOM means end of month. Net 30 EOM makes payment due 30 days after the last day of the month the invoice was issued in, not 30 days after the invoice date. An invoice dated September 15 on Net 30 EOM is due October 30, because the month ends September 30 and 30 days are added to that. EOM groups every invoice in a month onto one due date.
A billing cycle is the gap between one invoice date and the next, usually 28, 30 or 31 days, or one calendar month. Add the cycle length to the last billing date to get the next one, then add your payment terms to that to get the due date. Monthly cycles that bill on the 31st roll back to the last day in shorter months.
Not quite. Net 30 payment terms are a due date on an invoice. A Net 30 vendor account is a supplier account opened specifically so the supplier reports your payment history to a business credit bureau. The terms work the same way, but only some suppliers report, so confirm reporting before you open an account expecting it to build credit.
A 2 percent discount if the invoice is paid within 10 days, otherwise the full amount is due within 30. On a 1,000 dollar invoice that is 980 dollars by day 10 or 1,000 dollars from day 11 to day 30. Skipping the discount to hold the cash 20 days longer costs the buyer about 37 percent a year, which is why most buyers with cash take it.
Net terms count calendar days, so the calculated due date can land on a weekend. Most businesses treat the next working day as the effective deadline, and most bank payment runs settle on working days anyway. Whichever convention you use, write it into your terms, because this is a common source of a one or two day dispute.
No. Net 30, 30 days net, net 30 days and N30 all mean the same thing: full payment due 30 calendar days from the invoice date. Some regions write terms as 30 days from end of month or 30 days from receipt of goods, and those are genuinely different starting points, so read the words after the number rather than the number alone.
A 1 percent discount if the invoice is paid within 10 days, otherwise the full amount is due within 30. It is also written 1% 10 Net 30. On a 1,000 dollar invoice the buyer pays 990 dollars by day 10. Skipping it to hold the cash the extra 20 days costs about 18.4 percent a year, which is the cheapest of the common discount terms to refuse.
A 3 percent discount if the invoice is paid within 10 days, otherwise the full amount is due at 30 days. On a 1,000 dollar invoice that is 970 dollars by day 10. Refusing it costs the buyer about 56.4 percent a year, so a buyer with any cash at all should take it. For the seller, 3 percent of every invoice is an expensive way to buy 20 days.
Usually 5/10 Net 30: a 5 percent discount for paying within 10 days, otherwise the full amount at 30 days. It is a very large discount by trade credit standards, worth roughly 96 percent a year to the buyer who takes it, and it is normally offered only where the seller has a serious cash need or is pricing in a real risk of not being paid at all.
Payment is due within 5 calendar days of the invoice date. It is a very short term used for new accounts, small values, or where the seller has no appetite for credit risk. Enter 5 as a custom term in the calculator above to date it. Anything under Net 7 usually needs a card or direct debit behind it, because a bank payment run rarely turns around that fast.
Net 30 is the standard term: the amount payable after any agreed deductions, due 30 days from the invoice date. Gross 30 is rare and means the full amount before deductions on the same timing. In practice most invoices marked gross are simply invoices with no discount applied, and the due date arithmetic is identical either way.
It depends which side of the invoice you are on. For the buyer Net 60 is better, because it frees up a second month of cash. For the seller it doubles the working capital tied up and doubles the exposure if the account goes bad. Offer it when the volume or margin pays for the wait, and pair it with an early payment discount so the buyer has a route to pay sooner.
Net 30 vendor accounts can build business credit when the supplier reports your payment history to a bureau such as Dun and Bradstreet, Experian Business or Equifax Business. Ordinary Net 30 supplier invoices do not touch your personal credit unless you signed a personal guarantee and the account defaults. Not every supplier reports, so confirm before you rely on an account to build credit.
For most B2B sellers, yes. It is widely expected, it sits inside almost every buyer payment run without an exception request, and it can win business against suppliers who demand payment upfront. It is bad for you if you cannot fund a month of your own costs while you wait, or if nobody chases the invoice once day 31 arrives.
Net 30 has no interest rate of its own, it only sets a deadline. Two rates get attached to it. The late payment rate is what you charge after the due date, commonly 1.5 percent a month or 8 to 12 percent a year. The other is the effective annual cost of skipping an early payment discount, which is about 37 percent a year on 2/10 Net 30.
Paidnice is accounts receivable automation that enforces your payment terms, trusted by thousands of businesses on Xero and QuickBooks. Credit control and debtor management, run for you.
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