More Net Terms Calculators
How This Calculator Works — Formulas & Method
Calculation: deterministic date arithmetic — no AI, no estimation
Start-date basis
| Basis | What it means |
|---|---|
| Invoice date | Clock starts the day the invoice is issued (most common default) |
| Delivery date | Clock starts the day goods/services are delivered or completed |
| End of month (EOM) | Clock starts on the last calendar day of the invoice's month |
Formulas
due_date = start_date + term_days
start_date = invoice_date | delivery_date | end_of_month(invoice_date)
— Business-day mode —
business_days: weekends skipped, federal holidays NOT skipped
— Early payment discount (e.g. 2/10 Net 30) —
discount_deadline = start_date + discount_days
savings = invoice_amount × (discount_pct / 100)
Federal holidays are deliberately excluded from the business-day calculation to avoid relying on a yearly-maintained holiday calendar dataset. Always confirm exact terms against your own contract or purchase order.
Frequently Asked Questions
What does Net 30 mean?
Payment is due 30 days after the start date on the invoice — but which date counts as day zero (invoice, delivery, or end of month) varies by business. Use the start-date selector above to match your own agreement.
Does Net 30 mean calendar days or business days?
Net 30 defaults to calendar days unless the contract specifies business days. This calculator supports both — business-day mode excludes weekends only, not federal holidays.
What is 2/10 Net 30?
A 2% discount if paid within 10 days, full amount due within 30 days otherwise. Enable the early payment discount option above.
What is EOM 30?
End of month, 30 days — the clock starts from the last day of the invoice month rather than the invoice date itself.
About This Calculator
PaymentTermsCalculator.com is published by Gesmine-Invest Limited to help freelancers, small businesses, and AP/AR teams calculate exact invoice due dates and early payment discounts without ambiguity about the start date. See our About page for full methodology.