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Business Day Calculator

Net 90 Calculator - Find Your Payment Due Date

Last reviewed: October 14, 2026

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Enter your invoice date and get the Net 90 due date. The calculator counts 90 calendar days by default, starting the day after the invoice date. If your contract specifies business days, use the toggle above the date input to switch modes; the calculator then skips weekends and the public holidays of the country you select. The holiday lists run from 2024 to 2029; for a date in another year the calculator shows a notice, and that year's public holidays are not skipped.

Which of the two your contract means decides the date, and the gap is wide. 90 calendar days end 12 weeks and 6 days after the invoice date. On a five-day week, 90 business days counted from an invoice dated on a working day end 126 calendar days later, exactly 18 weeks, when no holiday falls in the window. Israel is counted on a six-day week here, Sunday to Friday, so the same count ends sooner; choosing Sunday to Thursday under Working week counts Israel on a five-day week instead. Each public holiday on a working day inside the window pushes the due date to the next business day: at least one calendar day later and, when a weekend lies in between, three or more on a five-day week and two or more on Israel's six-day week. Neither count is a fixed number of months, because months differ in length.

Sources for these rules

Checked October 13, 2026. All sources

Net 30 Calculator →Net 60 Calculator →Invoice Due Date Calculator →SLA Deadline Calculator →Late Payment Interest →

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.

Frequently Asked Questions

What does Net 90 mean?
This calculator reads Net 90 as a payment period of 90 days, counted from the date you enter. It counts a bare 'Net 90' as 90 calendar days; if the contract says 90 business days, switch to business-day mode with the toggle above the date input.
How long is Net 90 in months?
Not exactly three. Three calendar months run from 89 to 92 days depending on the months they cover: from 1 February 2026 they end on 1 May, 89 days later, and from 1 July on 1 October, 92 days later. On a five-day week, 90 business days are 126 calendar days, 18 weeks, when the count starts on a working day and no holiday falls in the window. Each public holiday of the selected country that falls on a working day inside the window pushes the due date to the next business day: at least one calendar day later and, when a weekend lies in between, three or more on a five-day week and two or more on Israel's six-day week.
What happens if Net 90 falls on a weekend or holiday?
In calendar-day mode the calculator shows the 90th calendar day as it falls, even on a weekend or public holiday, and does not move it; whether a payment due that day may be made on the next business day depends on the contract and the law that governs it. The invoice due date calculator flags such a date and shows the next business day. In business-day mode the count skips weekends and the selected country's public holidays, so the result lands on a business day of that calendar; the holiday lists run from 2024 to 2029, and a holiday in any other year is not skipped.
How do I find both dates on terms with an early-payment discount?
If your terms give a discount for payment within a shorter period and ask for the full amount within 90 days, run this calculator twice: once with the discount period and once with 90 for the due date. The invoice due date calculator shows the discount deadline beside the due date in one step.
How is Net 90 different from paying by quarter?
Net 90 counts from the date you enter, so each invoice gets its own due date. A contract that pays by calendar quarter fixes its dates by the quarter instead, and this calculator does not compute those; use the date your contract names.
What should I do if my Net 90 payment is late?
Check your contract for a late-payment clause, and keep the due date this calculator gives you from the invoice date. The late payment interest calculator works out interest on the overdue amount from the due date to the day of payment, or to today if you leave that date empty.