Enter an invoice date and payment terms to get the due date, the days left, and what happens when the date falls on a weekend or a bank holiday.
Early payment discount (optional)
For example, 2% in 10 days and Net 30 is written 2/10 net 30.
Days off
If the due date is a day off
Payment due date
December 3, 2026
(Thursday)Bank days follow the Federal Reserve schedule: a holiday on a Saturday leaves the Friday before open, and a holiday on a Sunday closes the Monday after. State holidays and company closures are not included. The invoice date is day 0, so Net 30 is the date 30 days later. Check your contract for the exact rule.
From invoice date and terms to a due date
Payment terms say how long a customer has to pay. Net 30 means 30 calendar days after the invoice date, and Net 30 EOM counts 30 days from the end of the invoice month. Other terms name a day of the month, such as the 15th of the month following.
Enter the invoice date and the terms, and the tool shows the due date, the days after the invoice date, and the days left from today. It also finds the last day for an early payment discount such as 2/10 net 30.
If the due date lands on a weekend or a bank holiday, you can keep it, move it earlier, or move it later. Bank days follow the Federal Reserve holiday schedule.
When you need the exact due date
Writing the due date on an invoice
Turn Net 30 or Net 60 into a calendar date so the invoice shows the date as well as the term.
Checking a customer's terms
Work out when a Net 45 or Net 30 EOM invoice from a large customer will actually fall due.
Planning payables
Find the last day to pay a supplier without a late fee, and the last day to take an early payment discount.
Cash flow forecasts
Compare days against months and EOM against plain Net terms to see how much longer an invoice stays open.
How to calculate a payment due date in 5 steps
- Choose Net terms for terms like Net 30, or Cutoff and pay day for terms like the 15th of the following month.
- Enter the invoice date. Use the date your contract starts the clock from.
- Pick a preset such as Net 30, enter your own number of days or months, or tick EOM.
- Choose Bank days or Weekends only, and what to do when the due date is a day off.
- Read the due date, the days after the invoice, and the days left from today.
Note: Net 30 counts 30 calendar days from the invoice date. The day-off setting only changes the final date and never changes the count.
How the dates are worked out
- Counting: the invoice date is day 0, so Net 30 is the date 30 days later.
- EOM: the count starts at the last day of the invoice month. An invoice dated early in the month gets almost two months.
- Months: N months later is the same day of that month, or the last day of the month if the same day does not exist.
- Bank days: weekends and the eleven Federal Reserve holidays. A Saturday holiday does not close the Friday before. A Sunday holiday closes the Monday after.
- Moving a date: earlier or later moves in single days until it reaches a business day, so a long weekend is crossed in one step.
- Not included: state holidays and company closures. Check them against your own calendar.
Common payment terms and what they mean
How each term sets the due date, with an example.
| Term | Meaning | Example |
|---|---|---|
| Net 15 / Net 30 / Net 60 | Due that many calendar days after the invoice date | Invoice dated Oct 3, Net 30: due Nov 2 |
| Net 30 EOM | Due 30 days after the end of the invoice month | Invoice dated Mar 15: due Apr 30 |
| EOM | Due at the end of the invoice month | Invoice dated Jan 15: due Jan 31 |
| 15 MFI | Due on the 15th of the month following the invoice | Invoice dated Oct 20: due Nov 15 |
| 2/10 net 30 | 2% off if paid within 10 days, otherwise due in 30 | Invoice dated Oct 3: discount by Oct 13, due Nov 2 |
| Due on receipt | Payment is expected as soon as the invoice is received | No waiting period |
Days or months
30 days is a fixed count, while 1 month is the same day of the next month. From January 31, 2026, 30 days ends on March 2 and 1 month ends on February 28.
Which date starts the clock
Net terms usually count from the invoice date, but a contract may use the date the invoice is received or the goods are accepted. Use that date as the invoice date in the tool.
EOM terms, weekend due dates, and which date starts the clock
The details that most often move an invoice due date.
EOM terms stretch the real payment window
Under Net 30 EOM, the 30 days start at the end of the invoice month, not on the invoice date. An invoice dated March 2 is due April 30, which is 59 days later, while one dated March 30 is due on the same day, 31 days later.
When a customer offers EOM terms, check how much longer the invoice stays open compared with plain Net 30.
A due date on a weekend or a holiday
A payment due on a Saturday, a Sunday, or a bank holiday cannot move through the banking system that day. Many invoices roll such a date forward to the next business day, but the contract should say so.
In the tool, Move later shows that date, and Move earlier shows the previous business day if you need to pay first.
Saturday bank holidays do not close the Friday
The Federal Reserve says that for holidays falling on Saturday, Federal Reserve Banks and Branches are open the preceding Friday. For a Sunday holiday, all Federal Reserve offices close the following Monday.
In 2026, July 4 is a Saturday, so Friday, July 3 stays a bank day in this tool.
Common mistakes with invoice due dates
Counting from the wrong start date
You count Net 30 from the invoice date, but the contract counts from the day the invoice was received, so your due date is days early.
💡 See the solution▼
Treating Net 30 EOM like Net 30
A customer with Net 30 EOM terms is due almost a month later than you expected, and your cash flow forecast is wrong.
💡 See the solution▼
A due date on a weekend or holiday
The due date falls on a Saturday or Thanksgiving. You do not know which day payment is expected, and a late fee is argued over one day.
💡 See the solution▼
30 days versus 1 month
A contract says one month and you count 30 days, or the other way round. Near the end of a month the dates differ by up to three days.
💡 See the solution▼
Missing the early payment discount
A 2/10 net 30 invoice offers a discount for only 10 days, and the discount deadline is easy to lose track of.
💡 See the solution▼
Payment due date FAQ
Q.What does Net 30 mean on an invoice?
A. Net 30 means the full invoice amount is due 30 calendar days after the invoice date. An invoice dated October 3, 2026 under Net 30 terms is due Monday, November 2, 2026. The same logic applies to Net 15, Net 45, Net 60, and Net 90. Some contracts start the clock on the date the invoice is received or the goods are accepted, so check which date your agreement uses.
Q.What does Net 30 EOM mean?
A. EOM means end of month. Net 30 EOM means payment is due 30 days after the end of the month in which the invoice is dated. An invoice dated March 15, 2026 is due Thursday, April 30, 2026. Tick Start counting from the end of the invoice month (EOM) to calculate it.
Q.What if the due date falls on a weekend or a holiday?
A. Choose what the tool does: keep the date, move it earlier to the previous business day, or move it later to the next one. A due date that lands on a weekend is often paid the next business day, but the rule belongs in your contract. For example, Net 30 from October 27, 2026 is Thursday, November 26, which is Thanksgiving. Moving it later gives Friday, November 27.
Q.Which days are treated as days off?
A. Bank days skips Saturdays, Sundays, and Federal Reserve holidays. A holiday on a Saturday does not close the Friday before, because Federal Reserve Banks are open that Friday, and a holiday on a Sunday closes the Monday after. Weekends only skips just Saturdays and Sundays. State holidays and company closures are not included.
Q.Is 30 days the same as 1 month?
A. Not always. 30 days is a fixed count, while 1 month is the same day of the next month, or the last day if that month is shorter. From January 31, 2026, 30 days is Monday, March 2, and 1 month is Saturday, February 28. Choose days or months to match your contract wording.
Q.How do I calculate terms like 15th of the month following?
A. Switch to Cutoff and pay day. Set the cutoff to End of month, Paid in to Next month, and the pay day to the 15th. You can also set a cutoff such as the 25th. An invoice dated on the cutoff day itself belongs to that month's cycle, and one dated after it moves to the next cycle.
Q.How do I work out an early payment discount deadline?
A. In Net terms, enter the discount percentage and the number of days, for example 2% and 10 days for 2/10 net 30. The tool shows the last day to take the discount, counted from the same start date as the due date. If that day is a day off, your day-off setting applies to it too.
Q.Does the tool show whether an invoice is overdue?
A. Yes. Next to the due date it shows how many days remain from today, or how many days overdue it is. It also shows how many days after the invoice date the due date falls.
Q.Does it count business days or calendar days?
A. Calendar days. Net 30 counts 30 calendar days, and the day-off setting only moves the final date. If your contract counts business days, use a business day calculator instead.
Q.Is my invoice data sent to a server?
A. No. The calculation runs in your browser with JavaScript. The dates you enter are not uploaded or stored.
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