Net Payment Terms Due Date Calculator

Turn an invoice date and net terms into an exact due date — or work backward from a due date — right in your browser, with nothing uploaded anywhere.

📖 How it works & FAQ

Direction

Invoice date

Payment terms

What net payment terms mean

Net terms tell a customer how many calendar days they have to pay after the invoice date. Net 30 — the most common arrangement in B2B invoicing — means full payment is due 30 days after the date on the invoice. Net 15 is popular with freelancers who want faster cash flow, while Net 60 and Net 90 show up with larger companies and slower procurement cycles. The count includes weekends and holidays: it’s a straight calendar-day window, not business days.

Two directions: forward and backward

Most of the time you’ll work forward: invoice date plus terms equals due date. But the reverse is just as useful. If a client says “we pay everything on Net 45 and your payment lands on the 20th,” you can back-calculate the implied invoice date and check whether their clock started when you actually sent the bill. The calculator also shows days until due (or days overdue) from today, and flags due dates that land on a weekend so you can nudge them to a business day. This tool is for planning and estimates only — it isn’t financial, tax, or legal advice, and your contract’s exact wording always governs.

How to use it

Pick a direction: invoice date → due date, or due date → invoice date.
Enter the known date. It defaults to today.
Choose Net 15, 30, 45, 60, or 90 — or select Custom and type any number of days.
Read the results instantly: the computed date, the payment window, and how many days remain (or how overdue it is).

FAQ

Does Net 30 count from the invoice date or the delivery date?: Usually the invoice date, but some contracts start the clock at delivery or acceptance. Check your agreement — whatever date the contract names is the one to enter here.
Do net terms include weekends?: Yes. Net terms are calendar days, so Saturdays, Sundays, and holidays all count toward the window.
What if the due date falls on a weekend?: The calculator flags it. Many businesses treat the next business day as the effective due date, but that’s a courtesy, not a rule — agree on it in writing.
What does 2/10 Net 30 mean?: It’s an early-payment discount: 2% off if paid within 10 days, otherwise the full amount is due in 30. Use this tool for the net date; the discount window works the same way with 10 as a custom term.