Net 30 Calculator

Last reviewed 5 October 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 payment is due 30 calendar days after the invoice date, weekends and holidays included. An invoice dated October 5, 2026 is due November 4, 2026.

Three variants change the start date or the amount. Net 30 EOM counts 30 days from the end of the invoice month, so the same invoice is due November 30. 2/10 Net 30 gives a 2% discount if paid within 10 days; otherwise the full amount is due on day 30. Net 30 ROG counts from the day the goods arrive.

Invoice date and payment terms

Change anything and the due date updates. Nothing is sent anywhere.

Invoice date

Enter a valid invoice date.

Invoice amountOptional. Adds discount and late fee figures.

Enter an amount of zero or more.

Payment terms

Counted from EOM adds the term days to the last day of the invoice month.

Late payment interest rateOptional. Annual rate charged on overdue balances.

Enter a rate between 0 and 100 percent.

Roll a weekend due date to the next business dayOff by default. Net terms count calendar days, so only tick this if your terms say a weekend due date moves to the Monday.

The arithmetic the tool is running:

Due date = Invoice date + Term days (EOM: last day of invoice month + Term days)

Every term against your invoice date

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

Net 30 means the full invoice amount is due 30 calendar days after the invoice date.
Net terms count calendar days, including weekends and public holidays.
Net 30 EOM counts from the last day of the invoice month, not from the invoice date.
Print the actual due date on the invoice, not just the term.
Skipping a 2/10 Net 30 discount costs the buyer about 37 percent a year.

Payment due date

October 1, 2026

Thursday

IssuedHalfwayDue

30 days to run on this invoice.

Invoice dateSeptember 1, 2026

TermsNet 30

Credit period30 days

Due date falls onThursday

Days until due30 days

Amount due$1,000.00

Interest per day if late$0.22

Interest if 30 days late$6.58

Interest if unpaid a year$80.00

A due date only works if someone chases it

Paidnice applies your terms, chases the due date and adds late fees automatically.

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What Net 30 actually tells you

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.

See how long large customers really take to pay, by industry and country.

Three people read that due date differently:

Your accounts team needs it to forecast cash in a given week.
Your customer's payables clerk needs it to pick a payment run. Land one day after their run and you wait another fortnight.
A lender compares your stated terms against your actual collection. Net 30 collected in 65 days is a collections problem, not a terms problem.

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.

Quick reference

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

The due date formula, part by part

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.

The start date

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 term days

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.

Calendar days, not working days

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.

The counting basis

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 worked example

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.

Due date: September 1 plus 30 calendar days = October 1, 2026
Daily interest if it goes unpaid: 4,800 x 0.08 / 365 = $1.05 a day
Thirty days late: 1.05 x 30 = $31.56
The same invoice on Net 30 EOM: September 30 plus 30 days = October 30, 2026, a full month later

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.

Which payment term should you offer

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 30 against the alternatives

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.

Is Net 30 good for your business?

For most B2B sellers who can absorb a one month gap between invoicing and payment, yes. The honest version of both sides:

Arguments for

Widely expected in B2B, so it never becomes an objection
Extending credit can raise order size and win accounts
Sits inside almost every buyer's payment run without an exception
Builds the trade payment record that business credit bureaus read

Arguments against

A month of your working capital funds someone else's purchase
Some accounts pay late or never, and that becomes bad debt
Receivables need chasing, which is admin nobody wants
Cash sitting in receivables cannot pay wages or buy stock

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.

Typical payment terms by sector

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 7 to Net 90, and what each one is for

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.

Term variants: EOM, MFI, ROG and prox

These four change the start date rather than the day count, and they are where most due date disputes actually come from.

EOM (end of month). Count from the last day of the invoice month. Net 30 EOM on a September 15 invoice is due October 30. Every invoice issued that month lands on one due date, which is why suppliers with high invoice volume like it.
MFI (month following invoice). Payment is due on a fixed day of the next month, written as 15 MFI or 25 MFI. An invoice dated any day in September on 15 MFI is due October 15. Buyers with a single monthly payment run tend to ask for this.
ROG (receipt of goods). The clock starts when the goods arrive, not when the invoice was raised. Common in freight and importing, where shipping time is long and unpredictable. It shifts the delivery risk onto you, so it needs a delivery record you both accept.
Prox, or proximo. An older phrasing meaning the next month, so 10th prox is the 10th of the following month. It means the same thing as MFI and appears mostly in long standing supply agreements.

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.

Early payment discounts, and what skipping one costs

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.

What pushes a due date the wrong way

The term on the invoice is rarely the reason money is late. These four are.

Terms that are not on the invoice. An invoice that says Net 30 but not the actual date leaves the customer to calculate it, and they will calculate it generously.
Missing the payment run. Most buyers pay on fixed days. A due date landing one day after their run adds a fortnight. Issuing invoices a few days earlier in the month can be worth more than shortening your terms.
Purchase order mismatches. If the PO number, the amount or the entity name does not match, the invoice sits in an exception queue and ages silently. Nobody tells you.
No consequence for passing the date. If nothing happens on day 31, the due date is a suggestion. The customers who notice this are the ones who pay you last.

How to get paid closer to the due date

Nothing on this list changes your terms. All of it changes when the money arrives.

Invoice the day the work completes. The cheapest days to remove are the ones before the invoice exists.
Print the actual date, not just the term. Due October 1, 2026 beats Net 30 on every invoice, every time.
Send a reminder before the due date. A short note three days out moves the invoice into this payment run instead of the next one. Automated email and SMS reminders do this without anyone having to remember.
Put a pay now link on the invoice. Friction at the payment step costs days that no term change can recover.
Escalate on a fixed schedule. Decide in advance what happens at 7, 14 and 30 days past due, and let it run without a judgment call each time.
Charge the late fee you already stated. Interest applied consistently is leverage. Applied case by case, it is just an awkward conversation. Automated late fees keep it consistent and impersonal.
Send a monthly statement. Some customers pay from a statement rather than an invoice, especially when several invoices are open. Automated statements catch those.
Offer a payment plan before you write it off. A large invoice that will never be paid in one go is still collectable in six. Model it in the payment plan calculator.

Want your terms enforced without chasing?

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 fees

Calculating due dates in Excel

With the invoice date in cell A2:

Net 30 due date: =A2+30
Any term, with the day count in B2: =A2+B2
Net 30 from today: =TODAY()+30
Net 30 EOM: =EOMONTH(A2,0)+30
15 MFI, the 15th of the following month: =EOMONTH(A2,0)+15
Roll a weekend due date to the next working day: =WORKDAY(A2+30,0) will not move it, so use =WORKDAY(A2+29,1)
Days overdue today: =MAX(0,TODAY()-(A2+30))
Interest accrued, with the amount in C2 and the annual rate in D2: =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.

Net 30 against the other terms tools

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.

Net 30 and business credit

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:

Only some suppliers report, so confirm reporting before you open the account.
Net 30 on an ordinary supplier invoice does not touch your personal credit unless you signed a personal guarantee and the account defaults.

Business credit bureau names and the PAYDEX trade payment basis checked against publisher documentation, August 2026. General information, not credit advice.

Common mistakes

Counting working days. Net terms are calendar days. Counting 30 working days gives your customer six extra weeks.
Leaving the basis unstated. Net 30, Net 30 EOM and Net 30 ROG on the same invoice date can be a month apart. Write down which one applies.
Backdating the invoice to make terms look shorter. It shortens nothing and creates a period mismatch in your accounts.
Offering a discount to customers who already pay on time. You have bought days you were getting for free.
Setting a late fee and never applying it. The one thing worse than no stated consequence is a stated one your customers have learned to ignore.
Changing terms instead of chasing. If invoices are 30 days past due, moving from Net 30 to Net 15 makes them 45 days past due.

Frequently asked questions

How do you calculate an invoice due date?

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.

What does Net 30 mean on an invoice?

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.

How do I work out Net 30 from today?

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.

What is an example of Net 30 payment terms?

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.

How do I calculate a Net 45 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.

What does Net 30 EOM mean?

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.

How do I calculate the next date in a billing cycle?

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.

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

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.

What does 2/10 Net 30 mean?

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.

What happens if the due date falls on a weekend or holiday?

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.

Is there a difference between Net 30 and 30 days net?

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.

What does 1/10 Net 30 mean?

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.

What does 3% Net 30, or 3/10 Net 30, mean?

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.

What does 5% Net 30 mean?

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.

What does Net 5 mean on an invoice?

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.

What is the difference between Net 30 and gross 30?

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.

Is Net 60 better than Net 30?

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.

Does Net 30 affect my credit score?

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.

Is Net 30 good?

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.

What is the Net 30 rate?

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.

Related calculators

Payment Plan CalculatorInstallments, schedules and interest.Early Payment Discount CalculatorThe real annual cost of 2/10 net 30.Statute of Limitations on DebtWhether a debt is still legally collectable, by US state.DSO CalculatorHow many days you wait to get paid, four ways.

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