Enter an invoice date, type the term length (30, 60, or 90 are the common ones), and the calculator returns the due date. Net 30 means thirty calendar days from the invoice date by default, not thirty business days. Switch the mode toggle to business-days when the contract spells that out, and the walk skips Saturdays and Sundays. The result is a single ISO date you can paste straight onto an invoice or into your accounting tool. For wall-clock SLA windows denominated in hours, the SLA deadline calculator is the right tool instead.
Common use cases
- Setting the due date on a Net 30 invoice. You issue an invoice on 2026-04-15 with Net 30 terms. Enter that date, set 30, keep calendar-days, and the calculator returns 2026-05-15. Paste that ISO date into the "Payment due" field so the customer reads the same Friday your accounts-receivable system enforces.
- Quoting Net 60 or Net 90 to a slow-paying buyer. Large enterprise buyers often demand Net 60 or Net 90. Type 60 or 90 against the same invoice date and you have the contract date in one keystroke, no manual month arithmetic. The output rolls cleanly across month and year boundaries so a December invoice still resolves to the right January due date.
- Working-day terms in regulated industries. A government contract reads "Net 30 working days" rather than calendar days. Switch the mode to business-days and the same 2026-04-15 invoice resolves to 2026-05-27 instead of 2026-05-15. Use this output when the contract explicitly excludes weekends.
- Forecasting cash-flow inflows. A finance team listing the next month of expected receipts can run each open invoice through the calculator and read the due date as an ISO string. Drop the dates into a spreadsheet column and sort to see which invoices land before payroll. The math matches what your customer's AP team computes from the same invoice date.
- Confirming a payment-discount window. A "2/10 Net 30" contract gives the buyer a 2% discount if they pay within 10 days. Run 10 against the invoice date for the discount cutoff, then run 30 for the full due date. The calculator handles the date math; the discount percentage stays a contract term.
How it works
The calculator parses the invoice date as a plain YYYY-MM-DD value and adds the term in the chosen unit. Calendar-days mode adds the term as raw days, so Net 30 from 2026-04-15 lands on 2026-05-15. Business-days mode walks one weekday at a time and skips Saturdays and Sundays, so the same Net 30 lands later. The math runs in UTC, so the result never shifts based on your time zone.
- Enter the invoice date. Pick the issue date in YYYY-MM-DD form. This is the date that appears on the invoice header, not the date the work was performed.
- Type the term length. Use 30 for Net 30, 60 for Net 60, 90 for Net 90, or any whole number a contract specifies. Negative numbers are rejected; the term must be zero or positive.
- Pick calendar-days or business-days. Calendar-days is the standard reading of "Net 30" and counts every day. Business-days skips weekends only and lands later than calendar mode by roughly two days for every seven added.
- Read the due date. The output is a single ISO date. Paste it into the "Payment due" field on the invoice, into your accounting software, or into a payment-tracking spreadsheet column.
Worked examples
Net 30 from a mid-April invoice
Enter invoice date 2026-04-15 (Wednesday), term 30, mode calendar-days.
Result: The calculator returns 2026-05-15, exactly 30 calendar days later, on a Friday.
This is the textbook Net 30 case. Friday is a payable weekday, so no further weekend rollover applies.
Net 60 from the same invoice date
Enter invoice date 2026-04-15, term 60, mode calendar-days.
Result: The calculator returns 2026-06-14, on a Sunday.
Net 60 is not "two months later"; it is sixty calendar days, which can land on a weekend. Most contracts then expect payment on the next business day, but the contractual due date itself stays Sunday 2026-06-14 unless the agreement says otherwise.
Net 90 from the same invoice date
Enter invoice date 2026-04-15, term 90, mode calendar-days.
Result: The calculator returns 2026-07-14, on a Tuesday.
Net 90 is the longest of the standard terms and is common in retail and government contracts. The output is a clean Tuesday; no rollover question arises.
Net 30 across the leap day
Enter invoice date 2024-01-30, term 30, mode calendar-days.
Result: The calculator returns 2024-02-29, the leap day in 2024.
In a non-leap year the same Jan 30 invoice plus 30 days lands on March 1. The walk advances by raw calendar days, so it picks up the leap day automatically when the year supports it. For more general date arithmetic of this kind, the date add calculator is the broader tool.
Business-days Net 30 from a mid-April invoice
Enter invoice date 2026-04-15, term 30, mode business-days.
Result: The calculator returns 2026-05-27, a Wednesday twelve days after the calendar-days result.
Business-days mode skips eight weekend days inside the span and walks four more weekdays to make up the count, so the lag is about twelve calendar days. The add business days calculator handles the same kind of walk with full holiday-list support.
Edge cases & gotchas
- Due date lands on a weekend. A Net 60 from 2026-04-15 resolves to Sunday 2026-06-14. The contractual due date stays Sunday unless the agreement specifies "next business day if the due date falls on a weekend or holiday." Most accounts-payable systems route the payment on the following Monday in practice, but the calculator returns the literal calendar date so you can see the gap.
- EOM (end-of-month) terms are not the same calc. Some contracts read "Net 30 EOM," meaning thirty days after the end of the invoice month. This calculator does calendar-day math from the invoice date itself, so it does not handle EOM terms directly. To approximate, use the last day of the invoice month as the input and add 30.
- Cross-year invoices roll forward correctly. A Dec 15 2026 invoice with Net 30 resolves to Jan 14 2027, and a Dec 15 2026 invoice with Net 90 resolves to Mar 15 2027. The walk does not snap to month-ends or year-ends; it adds raw calendar days, so the year boundary moves naturally as the count crosses it.
- February + Net 30 in a non-leap year. Net 30 from 2026-02-01 (a 28-day February) returns 2026-03-03, not March 1. The same input in 2027 returns 2027-03-03. The calculator counts every day in February individually rather than treating "Net 30" as "one month later."
Frequently asked questions about Net Terms Calculator
Does Net 30 mean 30 calendar days or 30 business days?
Calendar days, by industry convention. "Net 30" without qualification means thirty calendar days from the invoice date. If the contract says "30 business days" or "30 working days" explicitly, switch the mode toggle; otherwise leave it on calendar-days.
When does the clock start?
The invoice date you enter, not the date the work was performed and not the date the customer received the invoice. If the contract specifies a different trigger like "receipt date," enter that date as the invoice date here.
What if the due date lands on a weekend or holiday?
The calculator returns the literal calendar date. Many contracts include a clause that rolls the due date to the next business day when it lands on a non-banking day; check your contract. Use business-days mode if the contract counts only weekdays toward the term.
How does "2/10 Net 30" work?
It means a 2% discount if paid within 10 days, otherwise the full balance is due in 30 days. Run the calculator twice: once with term 10 for the discount cutoff and once with term 30 for the full due date. The discount itself is contract math, not date math.
Does it handle leap years?
Yes. Net 30 from 2024-01-30 returns 2024-02-29 (the leap day) and Net 30 from 2025-01-30 returns 2025-03-01. The walk advances by raw calendar days, so it picks up the leap day in years that have one.
Are there laws that override Net 30?
Several. The UK Late Payment of Commercial Debts Act sets a default 30-day term and statutory interest; the EU Late Payment Directive does the same across member states; the US Prompt Payment Act applies to federal contracts. Contractual terms can be longer or shorter, but jurisdictions cap the maximum a buyer can demand.
Can I use this for SLA hours instead of invoice days?
No. SLA windows are usually denominated in clock hours and respect a service window like 9-to-5. This calculator works in whole calendar or business days, so anything finer than a day belongs in the SLA deadline tool.
Glossary
- Net 30
- A payment term meaning the full invoice balance is due thirty calendar days after the invoice date. Net 60 and Net 90 use the same convention with longer windows.
- Invoice date
- The date that appears on the invoice header and starts the payment clock. Distinct from the work date and the receipt date.
- Trade credit
- The implicit short-term loan a seller extends to a buyer by accepting payment after delivery. Net terms are how the loan is denominated.
- EOM (end of month)
- A modifier that resets the clock to the last day of the invoice month, so "Net 30 EOM" means 30 days after the end of the month, not 30 days after the invoice date.
- 2/10 Net 30
- A discount term offering 2% off if the buyer pays within 10 days, with the full balance otherwise due in 30 days.