Invoice Due Date Calculator
Calculate the exact due date for any invoice payment term. Choose from Net 7 through Net 120, End of Month, Net 30/60 EOM, or business day variants; then enter your invoice date to see the result instantly.
When a due date falls on a weekend or public holiday, the calculator flags it and shows the next business day. Use the early payment discount field to display the discount deadline alongside the standard due date. Used by freelancers, agencies, contractors, and accounts receivable teams.
Discount % · if paid within N days
Net 30 - Due Date
Monday, June 1, 2026
Real-world example: cross-border Net 30 invoice
A freelance UX designer in Toronto invoices a US Fortune 500 client on April 28, 2026 with Net 30 calendar-day terms. The standard due date lands on Thursday, May 28, 2026, which is a regular business day on both Canadian and US banking calendars and clears a same-day wire. Switch the same invoice to Net 30 EOM and the due date moves to Sunday, May 31, 2026; the client's accounts payable system flags it and pushes settlement to Monday, June 1. Federal contractors invoicing under FAR 32.905 (the Prompt Payment Act) work to a different rule: the federal payment office has 30 days from the later of receipt of a proper invoice or acceptance of goods, and interest accrues on day 31 at the published Treasury rate, with the rate set semi-annually under 5 USC 3902. UK exporters invoicing US importers face the additional twist that NACHA same-day-ACH limits cap individual transactions, so splitting a large invoice into multiple ACH origination batches can become necessary to settle on the literal due date rather than rolling into a wire on the next business day.
Common pitfalls with payment terms
Four invoice-dating mistakes cost AR teams real money. First, confusing Net 30 with Net 30 EOM: a March 15 invoice on Net 30 is due April 14, but on Net 30 EOM is due May 30, a 46-day spread that materially shifts cash forecasts. Second, mis-counting the day of issuance; most accounting platforms count from the day after invoice date, but some legacy ERPs count from the issue date itself, putting AR and AP a full day apart on collection follow-up. Third, missing observed-day shifts on bank holidays: an invoice due Saturday, July 4 is not actually due that day under the Federal Reserve and SIFMA calendars; the observance moves to Friday July 3, and ACH originations dated for the literal Saturday will reject. Fourth, applying the early payment discount to the wrong base; the 2% in "2/10 Net 30" usually applies to the pre-tax invoice amount in US B2B practice but to the gross figure in parts of the EU, so an AR clerk porting templates between regions can over- or under-credit the buyer.
Tracking captured discounts versus missed discounts
Accounts payable teams that operate on a 2/10 Net 30 contract base see real annualized yield by capturing the early-payment discount, which works out to roughly 36 percent annualized when paying 20 days early to capture 2 percent. Tracking capture rate as a monthly metric is the standard way to surface treasury-side improvement opportunities; QuickBooks Online, NetSuite, and SAP all report Discounts-Lost as a line item on the AP aging summary. The calculator above is the fastest way to validate the deadline for an individual invoice when the AP system flags an upcoming discount opportunity, especially around quarter-end when bank holidays compress the eligible payment window.
For informational purposes only
This calculator provides general estimates based on business day counting rules. It does not constitute legal advice. Deadlines in legal, regulatory, or contractual matters may be subject to jurisdiction-specific rules, court orders, or statutory exceptions. Always verify critical deadlines with a qualified professional.