Payment terms calculator
Know when the invoice is actually due.
Calculate due dates for common net payment terms and preview how an early-pay discount changes the amount.
Invoice details
Due dates by payment terms
January 15, 2026
15 days from invoice date
January 30, 2026
30 days from invoice date
February 14, 2026
45 days from invoice date
March 1, 2026
60 days from invoice date
March 31, 2026
90 days from invoice date
Early payment incentive
Offer your client a 2% discount if they pay within 10 days. Use this on your invoice: "Pay by January 10, 2026 and save 2%."
Full amount
$5,000.00
Client saves
$100.00
Early-pay total
$4,900.00
Common payment terms explained
Payment terms tell the client when an invoice is due and what happens if they pay early or late. 'Net 30' means the full amount is due 30 days after the invoice date; '2/10 Net 30' adds a 2% discount for paying within 10 days. This calculator turns any invoice date and term into a concrete due date and shows how an early-pay discount changes the amount.
What Net 15, 30, 60, and 90 mean
The number after 'Net' is the stated number of days for payment, normally measured from the invoice date unless the agreement defines another starting event. Net 15, 30, 60, or 90 are negotiated business terms rather than universal defaults.
Longer terms are effectively a loan you extend to the client. Every extra day is cash you are not holding, so only offer long terms when the relationship or the deal size justifies it.
Early-pay discounts
An early-pay discount like '2/10 Net 30' trades a small percentage for faster payment. The client can deduct 2% if they pay within 10 days; otherwise the full amount is due at 30 days. It works because 2% for paying 20 days early is a strong incentive for a client with cash on hand.
Decide whether the faster cash is worth the discount. On thin margins, giving up 2% on every invoice adds up; on healthy margins, reliable early payment can be worth far more than the discount costs.
How to use it
- 1Enter the invoice date.
- 2Choose the net term: 15, 30, 60, or 90 days.
- 3The tool shows the exact due date.
- 4Optionally add an early-pay discount percentage and window.
- 5See the discounted amount and the early-pay deadline.
- 6Copy the terms onto your invoice so they are unmissable.
What to include for the US, Canada, the UK, and Australia
- Payment deadlines and late-fee rights can depend on the contract, state law, industry, and customer type. State the agreed term clearly and verify any statutory rule that applies.
- In the UK, if no term is agreed, statutory rules make commercial debts due within 30 days and allow interest after that.
- In Canada and Australia, terms are contractual; stating them on the quote and invoice avoids disputes.
- Whatever the term, showing the due date as a specific calendar date — not just 'Net 30' — reduces confusion and late payment.
This is general information, not legal or tax advice. Tax registration numbers, mandatory wording, and retention periods differ by country and by state or province — confirm the rules that apply to you before sending a document to a client.
Worked example
An invoice dated March 3 with 2/10 Net 30 is due in full on April 2. If the client pays by March 13, they may deduct 2%.
On a $5,000 invoice the 2% discount is $100, so paying early costs the client $4,900 and gets the freelancer paid 20 days sooner. The calculator shows both the April 2 due date and the March 13 discount deadline at once.
FAQ
Does Net 30 count from the invoice date or the delivery date?
By convention, from the invoice date, unless your contract says otherwise. Stating 'Net 30 from invoice date' removes any doubt.
What does 2/10 Net 30 mean?
A 2% discount if paid within 10 days; the full amount is due at 30 days. It is a standard early-payment incentive.
Which term should I use?
Net 15 or Net 14 protects your cash flow; Net 30 is the small-business default; longer terms suit large clients who require them. Match the term to how quickly you need the money.
Are early-pay discounts worth it?
They are if reliable, faster cash is worth more to you than the few percent you give up. On very thin margins, discounts can cost more than they are worth.
How do I show the due date on an invoice?
Show it as a specific date near the total, not just the net term. 'Due April 2, 2026' is harder to miss than 'Net 30'.
What if the due date falls on a weekend?
Many businesses treat payment as due the next business day. If timing is critical, state that rule in your terms.
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