Invoice Due Date Calculator (Net 30, Net 60, EOM)
Find an invoice's due date from its date and payment terms (net 30, net 60, EOM), the early payment discount on terms like 2/10 net 30, and how many days are left. It also shows the discount deadline, the amount to pay with the discount and what skipping it costs as a yearly rate.
Your numbers
As printed on the invoice or in the agreement.
The 2 in 2/10 net 30.
Net terms count calendar days. Whether a weekend or holiday moves the date is set by your agreement, not by the terms.
Today or the date you plan to pay, for the days left or late.
Due date
–
The invoice date is day 0: net 30 on 1 June is due 1 July.
Terms and late fees are whatever you and the customer agreed; this shows the dates, not legal advice.
The calculation runs in your browser and ParrotNotes does not store your numbers. They sit in the page address so you can bookmark or share the result.
How payment terms are counted
Net terms count calendar days from the invoice date: net 7, net 30, net 60 and net 90 are due that many days after it, with weekends included. Invest Northern Ireland's business guide puts it in one line per term: net 30 is "payment 30 days after invoice date". The invoice date itself is day 0, so net 30 on March 1 is due March 31.
Month-based terms start from the calendar instead. A net monthly account (often written EOM) is due on the last day of the month after the invoice month; "15 MFI" means the 15th of the month following the invoice. Net 30 EOM counts 30 days from the end of the invoice month. If a term on your invoice could be read two ways, say which in the agreement and on the invoice.
Early payment discounts and what skipping one costs
Terms such as 2/10 net 30 offer a cash discount for paying early: 2% off within 10 days of the invoice date, the full amount within 30. OpenStax's Principles of Finance calls the 10 days the discount period and the 30 days the credit period.
Paying on day 30 instead of day 10 is like borrowing the invoice amount for 20 days at a 2% fee. As a yearly rate that is discount ÷ (100 − discount) × days in the year ÷ (credit days − discount days). OpenStax uses a 360-day year and gets 36.73% for 2/10 net 30; on 365 days it is 37.24%. The calculator lets you pick either.
Weekends, holidays and late payments
Net terms do not skip weekends. Many businesses still treat a due date on a Saturday, Sunday or holiday as moving to the next business day, and some ask for payment the business day before. That is a business choice to write into your terms, not a rule of the terms themselves, so the calculator offers all three and can skip US federal holidays (observed dates from the Office of Personnel Management).
Late fees, interest and when an invoice counts as overdue in law depend on the agreement and where you do business. The days-late figure here is a count, not legal advice.
For reps who agree terms with the buyer
Payment terms are often settled on the call, not in the contract template: the buyer asks for net 60, you offer net 30 with 2% for paying in 10, and accounts receivable only hears about it when the invoice goes out. Writing the agreed terms into the quote, and checking the dates with this calculator before you send it, saves the argument when the first payment is late.
Sources, each read on 2026-10-30. The dates follow the terms you pick; your agreement with the customer decides:
More on terms and the deals behind them: Distributor sales, Sales negotiation, Quote follow-up email.
Terms get agreed on the call
The buyer asks for net 60, you settle on net 30 with 2% for early payment, and a month later nobody remembers who said what. Record the call in ParrotNotes and get a transcript and a summary with the agreed terms and next steps, ready to paste into the quote.
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