ClauseryInvoice due date calculator
Pick the payment terms on the invoice, such as net 30, net 30 EOM or 2/10 net 30, to see the exact due date, how many days are left, and what paying early is worth.
Choose Other terms to type terms as they appear on the invoice, for example net 21, 3/15 net 45 or 10th prox.
Payment terms explained
Terms count calendar days from the invoice date unless they say otherwise. The last column shows each one for an invoice dated March 12, 2026, before any weekend adjustment.
| Terms | What it means | Invoice dated Mar 12, 2026 is due |
|---|---|---|
| Due on receipt | Payable as soon as the invoice arrives. Common for small one-off jobs. | Mar 12, 2026 |
| Net 7 / Net 14 | Due 7 or 14 days after the invoice date. Popular with freelancers who want to be paid quickly. | Mar 19, 2026 or Mar 26, 2026 |
| Net 30 | Due 30 days after the invoice date. The most common business term. | Apr 11, 2026 |
| Net 60 / Net 90 | Due 60 or 90 days after the invoice date. Asked for by large customers; some laws limit them. | May 11, 2026 or Jun 10, 2026 |
| EOM | Due on the last day of the month the invoice is dated in. | Mar 31, 2026 |
| Net 30 EOM | Due 30 days after the end of the invoice month, so 30 to 60 days after the invoice date, depending on when in the month it is dated. | Apr 30, 2026 |
| 15 MFI | Due on the 15th of the month following the invoice. | Apr 15, 2026 |
| 2/10 net 30 | Take 2% off if paid within 10 days; otherwise the full amount is due in 30 days. | Apr 11, 2026 (2% off until Mar 22, 2026) |
Choosing terms for your own invoices
- Shorter terms get paid sooner. Net 14 is common for freelancers and small jobs; net 30 is the usual default between businesses.
- Put the terms in the contract, not just the invoice. A customer who agreed to net 14 in writing is harder to stretch to net 60. See the payment terms clause for sample wording.
- Say what happens when payment is late. A late payment interest clause gives you a right to interest and to pause work.
- Offer a discount only if cash matters more than margin. 2/10 net 30 gets many customers paying in 10 days, but it costs you 2% of every invoice they pay early.
When the due date has passed
Send a polite reminder the day after, then a firmer one a week later. The free payment reminder letter and payment demand letter templates are ready to fill in, the late payment interest calculator shows what you can add, and the guide what to do when a client won't pay covers the steps after that.
A calculation aid, not legal or tax advice. Your contract decides when payment is due.
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Questions
What does net 30 mean?
Net 30 means the full invoice amount is due 30 calendar days after the invoice date. Net 15, net 60 and net 90 work the same way with a different number of days. If your contract says "30 days from receipt", count from the day the customer received the invoice instead.
Does net 30 include weekends and holidays?
Yes. Payment terms count calendar days unless they say business days. If the due date falls on a weekend, many businesses pay on the next working day; tick the weekend option to see that date.
What does 2/10 net 30 mean?
The customer can take 2% off if they pay within 10 days; otherwise the full amount is due in 30 days. Passing up that discount is expensive: it works out at about 37% a year, which is why finance teams usually take it.
What do EOM and MFI mean on an invoice?
EOM means end of month: "net 30 EOM" is due 30 days after the end of the month the invoice is dated in. MFI means month following invoice: "15 MFI" is due on the 15th of the next month. Some suppliers treat invoices dated late in the month as next month's, so check your terms.
Is there a legal limit on payment terms?
In the UK and the EU, if a business contract sets no payment date, statutory interest generally starts 30 days after the invoice (or delivery, if later), and agreed terms longer than 60 days must not be grossly unfair to the supplier. In the US, private business terms are set by contract; federal agencies generally pay within 30 days under the Prompt Payment Act.
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