Free tool · Freelance payment laws
Invoice due date calculator, from your terms.
Pick the invoice date and its payment terms: Net 30, Net 60, end of month, Net 30 EOM, 2/10 Net 30 or business days. See the due date, the last day for an early-payment discount, and the words to put on the invoice.
Calculator
How net terms work
Net 30 means the invoice is due 30 calendar days after its date, weekends and holidays included. Count from the day after the invoice date: an invoice dated October 28 on Net 30 is due November 27. Net 7, 15, 45, 60 and 90 work the same way with their own number of days, and "due on receipt" means the day the client gets the invoice.
- Net 30
- Invoice date + 30 days
- Net 30 EOM
- Last day of the invoice's month + 30 days
- 2/10 Net 30
- 2% off by day 10, the full amount by day 30
What EOM means on an invoice
EOM is "end of month": the count starts on the last day of the month the invoice is dated, not on its date. "Due end of month" is that last day itself. Net 30 EOM is 30 days after it: an invoice dated October 15 is due November 30, and so is one dated October 2, which is why clients on a monthly payment run like it. Count the days, not the months: Net 30 EOM from January is due March 2, or March 1 in a leap year, not on the last day of February. Some businesses read "Net 30 EOM" as the end of the following month instead, so write the due date on the invoice too.
What 2/10 Net 30 means
Your client may take 2% off if they pay within 10 days; otherwise the full amount is due in 30. On a $2,400 invoice that's $2,352 by day 10 or $2,400 by day 30. It's a better deal for the client than it looks: waiting the extra 20 days costs them 2% for 20 days' use of the money, about 37.2% a year (2 ÷ 98 × 365 ÷ 20). Offer it when getting paid sooner is worth the 2% to you, and say whether the discount covers taxes and shipping.
Business days, weekends and holidays
Business days skip Saturdays, Sundays and the days banks close for the eleven US federal holidays. Ten business days from Wednesday, November 18, 2026 is Thursday, December 3: two weekends and Thanksgiving don't count. The holidays are New Year's Day, Martin Luther King Jr. Day, Washington's Birthday, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving and Christmas. When one falls on a Sunday, banks close the Monday after; when one falls on a Saturday, they stay open the Friday before, though federal offices close.
Net terms in calendar days don't move when the due date lands on a weekend or holiday, but banks don't move money then: a transfer sent that day may not arrive until the next business day. The calculator says so when it happens.
Which payment terms should a freelancer use?
The shortest your client will agree to, in writing, before the work starts. Net 15 or Net 30 suits most clients, due on receipt suits small and one-off jobs, and a deposit up front suits big projects. Large companies often pay on a monthly run and ask for Net 45 to Net 90, or Net 30 EOM: price that wait in, or ask for part of the fee up front.
Where no date is agreed, a freelance payment law may set one: New York's, for example, makes payment due within 30 days of finishing the work. And a late fee only works if your client agreed to it with the terms.
Questions
Does Net 30 include weekends?
Yes. Net terms count calendar days, weekends and holidays included, unless the terms say business days.
Does Net 30 start from the invoice date or the day the client gets it?
From the invoice date, unless your terms say otherwise. Date the invoice on the day you send it, so the two are the same.
Is an invoice late on the due date?
No: it's late the day after. On BillGrid's ready-made late fee terms, the first fee is added five days after the due date, which the calculator shows.
What if "due on receipt" isn't paid?
It names no number of days, so a slow payer can read it loosely. Net 7 gives the same urgency with a date nobody can argue with.
How do I send this to a client?
Copy the payment terms under the result onto your invoice, or copy the link to this answer: it opens with the same date and terms.
Sources
The holidays are from federal law (5 U.S.C. §6103), and the days banks close for them from the Federal Reserve's holiday schedule, which differs from the days federal offices close only when a holiday falls on a Saturday. Updated . This is general information, not legal advice.