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"Net 30" sounds simple until you have to put an actual date on the invoice — and clients pay faster when they see a real deadline, not a vague phrase. Pick the invoice date and your terms, and this gives you the exact due date, how many days that is from today, and what an early-payment discount is really worth.
Nothing you type leaves your browser. "Days to go / overdue" is figured against your device's clock. This isn't legal advice — your enforceable terms are whatever your contract says.
Payment terms are shorthand for a deadline, and the most common shorthand is "Net N" — payment is due N days after the invoice date. So the due date is simply:
The piece people get wrong is counting from the wrong start, or fumbling the month boundaries — a Net 30 invoice sent on December 20 isn't due "December 50," it's due January 19. This tool counts real calendar days, so month lengths, leap years, and year-end rollovers are handled for you. It also supports the two end-of-month conventions some businesses use: EOM (due on the last day of the invoice's month) and end of next month (a full extra month of float). For those, the tool still reports the effective term in days, so you can compare them honestly against a Net figure.
To get paid sooner, freelancers and vendors often offer a small discount for fast payment. The standard notation is 2/10 net 30: "take 2% off if you pay within 10 days; otherwise the full amount is due in 30." It looks tiny, but look at it from the client's side — to keep their cash for the extra 20 days, they give up a 2% discount. Annualize that and it's enormous:
That ~37% is why finance teams almost always take a 2/10 discount — passing it up is a worse deal than most loans. As the freelancer offering it, that's the lever: a discount that costs you 2% can reliably pull payment forward by weeks, which is often worth far more than 2% to your own cash flow. Enter an amount and a discount above and the tool shows the discounted total, the date to beat, and exactly what the client is leaving on the table by waiting.
Calendar days, unless your contract explicitly says "business days." Net 30 means the payment is due 30 calendar days after the invoice date — weekends and holidays included. This calculator counts calendar days for that reason. If a due date lands on a weekend, most clients pay the next business day, and that's generally fine; if you need a strict business-day deadline, spell it out in the contract rather than relying on the term alone.
By default, from the invoice date — the date printed on the invoice, which is what this tool uses. Some agreements instead run the clock from when the client receives the invoice or accepts the work, which can quietly add days. Whatever you agree to, put the start point and the term in writing, and date your invoice the day you actually send it so the due date isn't ambiguous.
Shorter is better for your cash flow. Net 15 or even "due on receipt" is common and reasonable for freelancers and small studios; Net 30 is the corporate default and often the most you'll get larger clients to accept; Net 60 and beyond are worth pushing back on or pricing for, since you're effectively financing the client. A modest early-payment discount (like 2/10) or a late fee in the contract are the two levers that move payment dates in your favor.
No. Every calculation runs entirely in your browser — nothing you type is sent to a server or stored. The link in your address bar updates with your inputs so you can bookmark or share a scenario, but that link only contains the values you chose.
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