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Invoice due date calculator

Pick the invoice date and your payment terms to get the due date, and for early-payment terms like 2/10 net 30, the discount deadline and what skipping the discount costs. Runs in your browser; nothing is saved.

The invoice

Payment terms

The full amount within 30 days of the invoice date.

$

When it is due

Invoice date

Oct 25, 2026

Due date

Tue, November 24, 2026

Days from invoice date

30

Public holidays are not taken into account. Whatever terms you use, print them on the invoice so the customer knows the due date. Works in any currency.

AcboBooks stores payment terms on each customer and vendor (Net 15, Net 30, Net 60, 1% or 2% 10 Net 30, or your own), fills in the due date on every invoice and bill, and suggests the early-payment discount when a payment arrives in time. See invoicing in AcboBooks.

Payment terms and how the due date is worked out

TermsDue date
Due on receiptPayable as soon as the customer gets the invoice.
Net 7The full amount within 7 days of the invoice date.
Net 10The full amount within 10 days of the invoice date.
Net 15The full amount within 15 days of the invoice date.
Net 30The full amount within 30 days of the invoice date.
Net 45The full amount within 45 days of the invoice date.
Net 60The full amount within 60 days of the invoice date.
Net 90The full amount within 90 days of the invoice date.
EOM (end of month)Due on the last day of the month the invoice is dated in.
Net 10 EOMDue 10 days after the end of the invoice month.
Net 30 EOMDue 30 days after the end of the invoice month.
15 MFI (15th of the month following)Due on the 15th of the month after the invoice month.
2/10 net 30Take 2% off if paid within 10 days; otherwise the full amount within 30 days.
1/10 net 30Take 1% off if paid within 10 days; otherwise the full amount within 30 days.

The cost of skipping an early-payment discount

Annual cost = discount % ÷ (100 − discount %) × 365 ÷ (net days − discount days). For 2/10 net 30 that is 2 ÷ 98 × 365 ÷ 20 = 37.2% a year; for 1/10 net 30 it is 1 ÷ 99 × 365 ÷ 20 = 18.4%. That is the interest rate the customer is in effect paying by waiting.

Worked example

An invoice for $5,000 is dated Sunday, October 25, 2026, on 2/10 net 30. The discount deadline is Wednesday, November 4: the customer can pay $4,900. Otherwise $5,000 is due on Tuesday, November 24. On net 30 EOM the same invoice would be due on Monday, November 30, and on 15 MFI on Sunday, November 15 (Monday, November 16 if you move weekend dates).

Choosing your terms

  • Shorter terms get you paid sooner. Net 15 or due on receipt suits small jobs and new customers; net 30 is common between businesses.
  • Match how your customers pay. Large companies often pay on fixed cycles; EOM or MFI terms can line up with them.
  • Put the date on the invoice, not just the terms, and say what happens if it is late. The late payment interest calculator works out the charge.
  • Watch the result. The DSO calculator shows whether customers actually pay on your terms.

Need an invoice now? The free invoice generator adds your terms and due date, and the invoice template has a place for them.

Questions

What does net 30 mean?

The full amount is due 30 days after the invoice date. An invoice dated October 25 on net 30 is due on November 24. Count calendar days, not business days, unless your terms say otherwise.

What does 2/10 net 30 mean?

The customer may take 2% off if they pay within 10 days of the invoice date; otherwise the full amount is due in 30 days. On a $5,000 invoice dated October 25, paying $4,900 by November 4 settles it, or $5,000 is due by November 24.

Is it worth taking a 2/10 net 30 discount?

Usually, yes. Skipping it means paying 2% to keep the money for 20 more days, which works out to about 37% a year: (2 ÷ 98) × (365 ÷ 20). Unless your cash costs more than that, pay early. For the seller, it is an expensive way to get paid sooner, so offer it with care.

What does EOM mean on an invoice?

End of month. Plain "EOM" usually means payment is due on the last day of the month the invoice is dated in. "Net 30 EOM" means 30 days after the end of that month, so an October 25 invoice is due on November 30. Because usage varies, spell out the actual due date on the invoice.

What does 15 MFI mean?

The 15th of the month following the invoice. An invoice dated any day in October is due on November 15. It suits customers who pay their bills once a month.

What if the due date falls on a weekend?

Many businesses treat the next business day as the due date. The calculator can move a Saturday or Sunday to the Monday; it does not know public holidays, so check those yourself. Whatever you decide, put the date on the invoice.

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