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Net 30 calculator

Net 30 means payment is due 30 calendar days after the invoice date. Enter the invoice date and terms to get the due date. Add an early-payment discount, such as 2/10 net 30, to see the discount deadline, what you save, and the annualized rate of paying early.

Updated October 23, 2026 · Aequo editorial team

Calculate the due date

Result

Enter an invoice date to see the due date.

Net 30 formulas

The due date is the start date plus the net days. The discount's annualized rate compares what you save with how many days early you pay.

Due date = Invoice date + Net days

EOM due date = Last day of invoice month + Net days

Discount deadline = Invoice date + Discount days

Annualized rate = (Discount % ÷ (100 − Discount %)) × (365 ÷ (Net days − Discount days))

Worked examples

Three common cases: plain net 30, 2/10 net 30, and net 30 EOM.

Terms	Invoice date	Working	Result
Net 30	Jan 15, 2026	Jan 15 + 30 days	Due Feb 14, 2026
2/10 net 30 on $5,000	Mar 1, 2026	Discount by Mar 11; (2 ÷ 98) × (365 ÷ 20)	Pay $4,900 by Mar 11 or $5,000 by Mar 31; discount worth 37.2% a year
Net 30 EOM	Mar 10, 2026	Mar 31 + 30 days	Due Apr 30, 2026

To see what capturing discounts is worth across all your spend, use the early payment discount calculator.

Common payment terms

Net terms state when the full amount is due; a discount prefix states how much is saved for paying early.

Due on receipt: payable as soon as the invoice is received.
Net 7, 10, 15: short terms, common with small suppliers and freelancers.
Net 30: the most widely used business-to-business terms.
Net 45, 60, 90: longer terms, often negotiated by larger buyers.
2/10 net 30: 2% off if paid in 10 days, otherwise full amount in 30.
Net 30 EOM: 30 days counted from the end of the invoice month.

Aequo AP

Never miss a due date or a discount window

Aequo AP captures vendor invoices as they arrive, reads the terms and due date, and routes each bill for approval so it is ready to pay on time, or early when a discount is worth it. Approved bills sync to QuickBooks Online, Xero, FreshBooks and Zoho Books.

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Frequently asked questions

What does net 30 mean?

Net 30 means the full invoice amount is due 30 days after the invoice date. Net 15, net 45 and net 60 work the same way with a different number of days.

How do you calculate a net 30 due date?

Add 30 calendar days to the invoice date. An invoice dated March 1 on net 30 is due March 31; one dated January 15 is due February 14. Weekends and holidays count, unless your contract says otherwise.

What does 2/10 net 30 mean?

2/10 net 30 means the customer can take a 2% discount if they pay within 10 days; otherwise the full amount is due in 30 days. On a $5,000 invoice, paying by day 10 saves $100.

Is a 2/10 net 30 discount worth taking?

Usually. Paying 20 days early to save 2% is the same as earning (2 ÷ 98) × (365 ÷ 20) = 37.2% a year. That beats what most businesses earn on cash or pay to borrow, so if you have the cash, take the discount.

What does net 30 EOM mean?

EOM means "end of month": the 30 days start from the last day of the month the invoice is dated, not from the invoice date. An invoice dated March 10 on net 30 EOM is due April 30.

Does net 30 mean 30 business days?

No. Unless the contract says business days, net 30 means 30 calendar days from the invoice date.