Invoice Due Date Calculator
Enter your invoice date and payment term to instantly calculate the due date. Supports all standard net terms and custom days.
Last updated: 2026-07-10
How It Works
This invoice due date calculator works out when payment is expected from two inputs: the date an invoice is issued and the agreed payment term. Terms are written as "Net" followed by a number of days — for example, Net 30 means the full amount is due within 30 calendar days of the invoice date. The tool supports Net 7, Net 10, Net 15, Net 21, Net 30, Net 45, Net 60, and Net 90, plus a custom day count for non-standard agreements.
When you enter an invoice date and choose a term, the calculator adds that number of calendar days (weekends and holidays included) to the invoice date to find the due date. It also returns a suggested reminder date seven days before the due date, and how many days remain until payment is due, so you can chase clients before an invoice slips overdue.
Scope note: the calculator computes standard Net day-count terms and custom days from the invoice date. It does not apply end-of-month (EOM) billing, early-payment discounts such as "2/10 Net 30", or a business-day-only count. Those are explained below for reference so you can adjust manually.
Formula
Due Date = Invoice Date + Payment Term (in calendar days)
Suggested Reminder Date = Due Date − 7 days
Days Until Due = Due Date − Today's Date
Payment Terms Reference Table
Net terms count calendar days from the invoice date unless your contract says the count starts from the date the invoice is received. The due-date examples below use an invoice dated January 1, 2026 (a non-leap year); the calculator computes the exact date for any invoice date, including leap years.
| Term | Meaning | Due date (invoice Jan 1, 2026) |
|---|---|---|
| Net 7 | Due within 7 calendar days of the invoice date | January 8, 2026 |
| Net 10 | Due within 10 calendar days | January 11, 2026 |
| Net 15 | Due within 15 calendar days | January 16, 2026 |
| Net 21 | Due within 21 calendar days | January 22, 2026 |
| Net 30 | Due within 30 calendar days (very common in B2B) | January 31, 2026 |
| Net 45 | Due within 45 calendar days | February 15, 2026 |
| Net 60 | Due within 60 calendar days | March 2, 2026 |
| Net 90 | Due within 90 calendar days | April 1, 2026 |
| 2/10 Net 30 | 2% discount if paid within 10 days, else full amount due in 30 days (discount not computed by this tool) | Jan 11 (discount) / Jan 31 (net) |
| Net EOM | Due a set number of days after the end of the invoice month (not computed by this tool) | Varies by month |
Net 15, Net 45 and Net 60 Explained
Net 15
Net 15 means payment is due within 15 calendar days of the invoice date. It keeps the payment cycle short and is popular with freelancers and newer client relationships. "Net 15 from today" simply means: date the invoice today and add 15 days. Set the invoice date to today and choose Net 15 above to see the exact due date.
Net 45
Net 45 means payment is due within 45 calendar days of the invoice date. It is common in construction, manufacturing, and government contracting, where approval and accounts-payable cycles run longer. An invoice dated January 1, 2026 with Net 45 is due February 15, 2026. Choose Net 45 in the calculator to get the date for any invoice.
Net 60
Net 60 means payment is due within 60 calendar days of the invoice date, common with larger corporations that run extended accounts-payable cycles. Note that in the EU, terms longer than 60 days between businesses are only valid if expressly agreed and not grossly unfair — see the statutory defaults below.
For Net 30 specifically, we have a dedicated Net 30 Calculator with a full reminder schedule.
Worked Examples
Example 1: Net 30 from January 15, 2026
An invoice dated January 15, 2026 with Net 30 terms is due February 14, 2026 (January 15 + 30 calendar days). The suggested reminder date is February 7, giving you a week to follow up before payment is expected.
Example 2: Net 60 from March 1, 2026
An invoice dated March 1, 2026 with Net 60 terms is due April 30, 2026 (March 1 + 60 calendar days). The reminder date falls on April 23.
Example 3: Custom 45 days from July 10, 2026
If your contract sets a 45-day window and the invoice date is July 10, 2026, the due date is August 24, 2026, with a suggested reminder on August 17.
Statutory Default Payment Terms (UK and EU)
Net terms are a commercial convention, not a law — the number of days is whatever the parties agree. But if a contract is silent, some jurisdictions impose a statutory default and a right to interest. These are jurisdiction-specific defaults, not universal rules; check the rules that apply to you.
United Kingdom
Under the Late Payment of Commercial Debts (Interest) Act 1998, if no payment date is agreed, a commercial payment is treated as late 30 days after the customer receives the invoice or the goods/services (whichever is later). Creditors may charge statutory interest of 8% plus the Bank of England base rate for business-to-business transactions — but only if the contract does not set a different interest rate. A fixed debt-recovery charge also applies: £40 for debts up to £999.99, £70 for £1,000 to £9,999.99, and £100 for debts of £10,000 or more (per GOV.UK).
European Union
Under Directive 2011/7/EU on combating late payment, public authorities must generally pay within 30 days, and business-to-business payments are capped at 60 days unless a longer term is expressly agreed and is not grossly unfair. Late payment triggers statutory interest of at least 8 percentage points above the European Central Bank reference rate plus a minimum €40 fixed compensation for recovery costs.
Why Tracking Invoice Due Dates Matters
Accurate due-date tracking is essential for cash flow. Late payment is one of the most common challenges for freelancers and small businesses. By calculating due dates in advance and scheduling reminders, you can shorten the time it takes to collect payment — often measured as Days Sales Outstanding (DSO) — and avoid confusion with clients over when money is owed.
Sources
- GOV.UK — Late commercial payments: charging interest and debt recovery (UK 30-day default, statutory interest 8% + Bank of England base rate, £40/£70/£100 debt-recovery charges)
- EUR-Lex — Directive 2011/7/EU on combating late payment in commercial transactions
- European Commission — Late payment (30-day public authority / 60-day B2B limits, ECB reference rate + 8pp, €40 compensation)
Frequently Asked Questions
What does Net 30 mean on an invoice?
Net 30 means the full invoice amount is due within 30 calendar days of the invoice date, unless the contract instead counts from the date the invoice is received. It is one of the most common business-to-business terms. Example: an invoice dated January 1 with Net 30 is due by January 31. For a dedicated Net 30 tool with a reminder schedule, use our Net 30 Calculator.
What does Net 45 mean and how do I calculate a Net 45 due date?
Net 45 means payment is due within 45 calendar days of the invoice date. It is common in construction, manufacturing, and government contracting where approval cycles run longer. To calculate it, add 45 calendar days to your invoice date: an invoice dated January 1, 2026 with Net 45 is due February 15, 2026. Select Net 45 in the calculator above to get the exact date for any invoice date.
What does "Net 15 from today" mean?
"Net 15 from today" means the payment is due 15 calendar days after the invoice is issued today. If you date the invoice today, set the invoice date to today and choose Net 15, and the calculator returns the due date 15 days out. Net 15 is often used to keep the payment cycle short with newer clients.
Does this calculator count calendar days or business days?
It counts calendar days, which is the standard interpretation of Net terms. Weekends and public holidays are included in the count. If the resulting due date lands on a weekend or holiday, many businesses accept payment on the next business day, but the stated calendar date remains the contractual due date unless your agreement says otherwise.
What is "2/10 Net 30" and does this tool calculate early-payment discounts?
"2/10 Net 30" is a discount notation: the buyer may take a 2% discount if they pay within 10 days, otherwise the full amount is due within 30 days. This calculator computes standard Net due dates (and custom day counts) from the invoice date. It does not apply early-payment discounts or end-of-month (EOM) terms, so calculate those adjustments separately.
Is there a legal default payment term if my contract does not state one?
It depends on your jurisdiction. In the UK, the Late Payment of Commercial Debts (Interest) Act 1998 treats a commercial payment as late 30 days after the customer receives the invoice (or the goods/services) when no date is agreed, with statutory interest of 8% plus the Bank of England base rate. In the EU, Directive 2011/7/EU sets a 30-day default for public authorities and up to 60 days for business-to-business unless expressly agreed and not grossly unfair. These are jurisdiction-specific defaults, not universal rules.