Net 30 calculator
Invoice date + Net 30 = payment due date. Optional business-day mode.
Net 30, Net 60, Net 90, and Net 120 translate invoice language into a concrete payment due date. Enter the invoice date, pick a net period or type a custom day count, and read when cash should leave accounts payable or arrive in accounts receivable. Preset pages for Net 30, Net 60, Net 90, and Net 120 open with the same math and a default invoice date so buyers and vendors share one vocabulary.
What net terms actually count
In US B2B practice, an unqualified Net 30 clause almost always means thirty calendar days from the agreed start date—not thirty business days and not “thirty days after month end” unless the contract adds EOM language. The start event might be invoice date, goods receipt, or acceptance; this calculator cannot infer your purchase order. Enter the anchor date your agreement names before sharing a due date with treasury or collections.
Custom nets such as Net 45 or Net 75 appear in vendor master files. Treat the integer as calendar days unless the clause explicitly switches to business days. When legal and operations disagree, the written noun in the PO wins over habit.
Calendar days versus business days
Calendar mode counts every civil day including Saturdays and Sundays. Business-day mode advances only Monday through Friday and can skip US federal observed holidays when that toggle is enabled—similar in spirit to Excel WORKDAY. A Net 30 calendar due date and a Net 30 business due date on the same invoice can differ by more than a week when weekends cluster near the end of the period.
Enable business-day mode only when the contract says “business days” or when your CFO’s close checklist defines nets that way. Mixing modes between AP entry and AR aging reports produces reconciliations that look like vendor errors but are internal definition drift.
Discount terms and compound clauses
“2/10 Net 30” offers two percent off if paid within ten days; otherwise the full balance is due at Net 30. This page computes the Net 30 (or 60/90/120) due date. Run a separate ten-day window on the date calculator when both dates must appear on one remittance advice.
End-of-month variants—“Net 30 EOM”—start the clock on the last day of the invoice month, not the print date on the PDF. Enter that month-end anchor manually. Statement cycles that say “due twenty-five days after statement date” are not net terms in the ERP sense; use statement date plus twenty-five as a plain add-days problem instead.
Weekends, holidays, and pay-by policy
If arithmetic lands the legal due date on a Saturday, the obligation is still that calendar day. Many companies batch ACH on the prior business day by internal policy only—that does not rewrite Net 30. After computing the legal date, scan 2026 federal holidays when planning wire cutoffs around closures.
Business-day nets already return weekday due dates. Confirm with treasury whether same-day ACH deadlines require paying one business day earlier when a holiday sits on the nominal due date. Collections letters should cite the legal due date even when operations prefer an earlier pay window.
Worked examples for AP and AR
A vendor bill dated the 5th with Net 60 calendar terms is due sixty civil days later—weekends included. Toggle business-day mode off, select Net 60, and paste the result into the ERP due-date field with a note naming calendar mode so auditors reproduce the math in 2026.
A customer contract specifies Net 45 business days from receipt. Enable business-day mode, enter forty-five, and compare against a calendar Net 45 on the same receipt date. The gap illustrates why AR must not quote “about six weeks” without naming the mode.
Early-payment discount windows: invoice dated the 12th with 2/10 Net 30 means discount eligibility ends ten calendar days after the 12th while the Net 30 due date sits thirty calendar days after the 12th. Track both rows in the payment batch rather than merging them mentally.
ERP hygiene and aging buckets
Before mass-updating vendor records, document four fields in the payment run note: start date used, net integer, calendar versus business definition, and whether the due date treats the invoice day as day zero or day one. Month-end close teams lose hours when AP stored calendar Net 30 while AR aging assumed business days.
Aging reports bucket open invoices into 30/60/90 brackets. Align this calculator’s toggle with the CFO memo that defines those brackets. When a foreign subsidiary uses a different holiday table, do not assume US business-day mode matches their statutory calendar—reconcile start events first.
Cross-border invoices and freight
International POs may cite Net 30 while operating under incoterms that shift the start event to delivery or customs release. Enter the event your logistics team treats as “invoice clock start,” not the email date finance first saw the PDF. Disputes often trace to start-date mismatch, not arithmetic.
Freight bills sometimes net from delivery scan time while material invoices net from invoice print date. Run separate calculations rather than averaging. Print the month grid from monthly calendars when quarter-end cash forecasts need visual spacing between dense due-date clusters.
When net math is the wrong tool
Spans framed as “twelve business days from approval” without net terminology belong on the business days calculator. Looking backward from a statement date for aging analysis pairs with 90 days ago. Fiscal period boundaries for accruals live on the quarter calculator and fiscal year calculator.
Contract language and Net terms
Purchase orders should spell out whether Net 30 means calendar days or business days; this calculator follows the site’s stated mode on the form. When a due date falls on a federal holiday, many firms move payment to the next business day—confirm against 2026 holidays before promising cash flow to vendors.
Related tools
General add and subtract date math sits on the date calculator and date tools hub. Printable month context for 2026 is on yearly calendars 2026.
Frequently asked questions
Does Net 30 mean thirty calendar or business days?
In US B2B practice, an unqualified Net 30 clause almost always means thirty calendar days from the agreed start date. Enable business-day mode only when the contract explicitly says business days or when your finance policy defines nets that way. Calendar and business results can differ by more than a week on the same invoice.
What start date should I enter for a net due date?
Enter the date your purchase order or invoice terms name as the clock start—often invoice date, goods receipt, or acceptance. This calculator cannot infer policy from the net integer alone. Wrong start dates cause more disputes than wrong day counts when AP and vendors reconcile aging buckets.
How do I handle 2/10 Net 30 discount terms?
This page computes the Net 30 due date from your invoice date. The ten-day discount window is a separate span—run it on the date calculator if you need both dates on one remittance note. Track discount eligibility and final due date as two rows in your payment batch.
What if the due date falls on a weekend?
Calendar Net terms land on the actual civil due date even when that date is Saturday or Sunday. Many companies pay on the next business day by internal policy only, which does not change Net arithmetic. Scan federal holidays when planning ACH batches around closures.
Are Net 60 and Net 90 the same math as Net 30?
Yes—the net integer is the day count from your start date using the same calendar or business-day toggle. Preset pages for Net 60, Net 90, and Net 120 pre-fill common terms. Custom values such as Net 45 work the same way when you enter forty-five days explicitly.
When should I use the business days calculator instead?
Use the business days calculator when the contract says add N business days from approval without net terminology, or when you need holiday exclusions beyond the net toggle here. Net terms and generic business-day spans are related but not interchangeable—match the noun in your agreement before sharing a due date.