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Invoice Due Date Calculator (Net Terms)

Find an invoice due date from its date and payment terms — Net 7 to Net 120, EOM, Net 30 EOM, 15th of the following month or custom — with weekend and holiday rules, the 2/10 Net 30 discount deadline and its true cost, late fees, a reminder schedule and a side-by-side table of every term.

Invoice date
Payment terms
Days
Count the days as
If the due date is a weekend or holiday
Public holidays
Invoice amount (optional)
Early-payment discount (e.g. 2/10 Net 30)
Discount
If paid within
Late fee per month
Flat late fee
Grace period before late fees
Send a reminder this many days before
Check status on
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How it works

due date = invoice date + net days (calendar or business days) · end of month = last day of the invoice month · EOM 10 / Net 30 EOM = month end + 10 / 30 days · MFI = 15th of the following month · weekend or holiday → keep, move forward or move back · discount cost per year = d ÷ (100 − d) × 365 ÷ (net days − discount days) · late fee = amount × monthly rate × days late ÷ 30

Net terms state how long a customer has to pay after the invoice date — Net 30 means payment is due 30 calendar days later. The calculator adds that window to the invoice date, or for month-end terms starts from the last day of the invoice month: "End of month" is due that day, EOM 10 on the 10th of the next month, MFI on the 15th of the next month and Net 30 EOM 30 days after the month closes. If a due date lands on a weekend or public holiday (US, Mexico or Spain), you can keep it and see a flag, roll it to the next business day or pull it back to the previous one. For 2/10 Net 30 style terms it gives the discount deadline, the discount and the annualised cost of skipping it, and for an overdue invoice it estimates the late fee from a monthly rate, a flat fee and an optional grace period. A reminder schedule and a table of the due date under every common term make it easy to plan collections and cash flow.

Worked example

An invoice for $5,000 dated Wednesday, September 16, 2026 on Net 30 terms is due Friday, October 16, 2026 — 22 business days later. With a 2/10 Net 30 discount, paying by Saturday, September 26 saves $100, so $4,900 settles it; skipping the discount costs the equivalent of 37.2% a year. If it is still unpaid on November 5, 2026 it is 20 days overdue, and a 1.5% monthly late fee adds $50. On Net 30 EOM terms the same invoice would be due Friday, October 30, 2026, and on MFI terms on Thursday, October 15.

Sources: OPM — Federal holidays · Corporate Finance Institute — 2/10 net 30

Frequently asked questions

Do net terms count calendar or business days?

Calendar days, almost always — Net 30 is 30 calendar days including weekends. Switch to business days only if the contract says so. If the due date lands on a weekend or holiday, many businesses accept payment on the next business day; choose "move to the next business day" to see that date.

When does the clock start — invoice date or delivery?

Usually the invoice date. Some contracts start terms from the delivery or receipt date; if so, enter that date instead.

What do EOM, Net 30 EOM and MFI mean?

They count from the end of the invoice month. "End of month" is due on the last day of that month, EOM 10 on the 10th of the next month, MFI ("month following invoice") on the 15th of the next month, and Net 30 EOM 30 days after the month ends. They let a seller bill once a month and give every invoice in that month the same due date.

What does 2/10 Net 30 mean, and should I take the discount?

The buyer may deduct 2% if paying within 10 days; otherwise the full amount is due in 30. Skipping it means paying 2% extra to keep the money 20 more days, which works out to about 37% a year — far more than most loans — so it usually pays to take the discount. Turn on the discount option to see the deadline and the exact cost.

How is the late fee estimated?

As simple interest on the invoice amount: the monthly rate × days late ÷ 30, plus any flat fee, starting after the grace period. A 1.5% monthly rate on $5,000 adds $75 for a full month. Late fees must be agreed in advance and are capped in many places, so check the rules that apply to you.

What is the reminder schedule?

A simple collections timeline: a friendly reminder a few days before the due date, then follow-ups 7 and 14 days late and a final notice at 30 days. Change the lead time for the first reminder under More options.

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This calculator is for educational purposes. Double-check important results before acting on them.