Net 7
Payment due within 7 days of the invoice date. Used for small transactions, perishable goods, or new customers with no established credit history.
Finance tools
Net 30 payment terms calculator
Calculate due dates and early payment discounts for Net 7 through Net 90, including Net 30 EOM and custom terms.
$
Used to calculate late interest if overdue.
%
Enter the rate specified in your payment terms.
Due date
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Days remaining
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Payment status
--Late interest owed (estimated)
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$
%
The percentage off offered for early payment (e.g. 2 for 2/10 Net 30).
The number of days within which you must pay to get the discount (e.g. 10 for 2/10 Net 30).
Early payment deadline
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Discounted amount
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Savings
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Full payment due date
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Annualized ROI
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Still tracking payment terms manually?
Automate your entire invoice approval workflow with Rillion
This calculator helps you track due dates one invoice at a time. Rillion automates the entire process, capturing invoices, routing approvals, and sending automatic reminders so nothing gets paid late.
Net payment terms, explained
Net payment terms define how long a buyer has to pay an invoice after it's issued. The number after "net" is the number of calendar days until payment is due.
Net 15
Payment due within 15 days. A shorter term that balances cash flow needs while giving buyers a reasonable window to process payment.
Net 30
The most common net payment term in B2B. Payment is due 30 calendar days from the invoice date, widely used across industries as the standard default.
Net 45
Payment due within 45 days. Often offered to long-term customers or for larger orders where more payment flexibility is needed.
Net 60
Payment due within 60 days. Common in industries with longer cash conversion cycles or for well-established vendor relationships.
Net 90
Payment due within 90 days. Extended terms typically reserved for high-value orders or the most creditworthy customers.
How it works
How early payment discount terms work
Use the Early Payment Discount tab in our calculator to calculate your exact savings. Some vendors offer a discount for paying before the due date, written in the format: discount % / discount period, then the full payment term.
2/10 Net 30
A 2% discount applies if payment is made within 10 days. Otherwise, the full amount is due in 30 days. On a $1,000 invoice, paying early saves $20 and is equivalent to a 36.5% annualized return.
1/10 Net 30
A 1% discount if paid within 10 days, full payment due in 30 days. On a $1,000 invoice, that's $10 saved and an 18.25% annualized return.
2/15 Net 30
A 2% discount if paid within 15 days, full payment due in 30 days. Gives buyers a slightly longer window to capture the discount compared to 2/10 Net 30.
Key benefits
Faster approvals. Fewer late payments. More savings.
Never miss a payment due date
Rillion tracks every invoice and sends automatic reminders to approvers before deadlines hit. No spreadsheets, no chasing.
Capture early payment discounts
When approvals move faster, you pay earlier. Rillion's automated workflows help finance teams capture early payment discounts that manual processes often miss.
Process invoices 85% faster
Rillion automates invoice capture, approval routing, and payments end to end. Your team spends time on exceptions, not admin.
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Stop managing invoices manually
You just calculated your payment terms manually. Rillion automates the entire AP workflow, from capturing invoices and routing approvals to processing payments, so your team never has to track due dates by hand.
FAQs
Got questions?
What is a net 30 calculator?
A net 30 calculator helps you find the exact due date of an invoice issued on net 30 terms. Enter the invoice date and it adds 30 calendar days to give you the payment deadline.
How do I calculate net 30 from today?
Set the invoice date to today and select Net 30 from the payment terms dropdown. The calculator shows your due date instantly.
What does net 30 mean?
Net 30 means the full invoice amount is due within 30 calendar days of the invoice date. It's one of the most common payment terms in B2B transactions, giving buyers time to process payment while vendors maintain predictable cash flow.
What is Net 30 EOM?
Net 30 EOM means payment is due 30 days after the end of the month in which the invoice was issued. An invoice dated March 15 would be due April 30, which is 30 days after March 31.
What does 2/10 net 30 mean?
2/10 net 30 means a 2% discount applies if the invoice is paid within 10 days. If not, the full amount is due within 30 days. On a $1,000 invoice, paying within 10 days saves $20 and is equivalent to a 36.5% annualized return.
What is the difference between net 30 and net 60?
Net 30 requires payment within 30 days, net 60 within 60 days. Buyers prefer longer terms for cash flow flexibility. Sellers prefer shorter terms to reduce credit risk and bring cash in faster.
How do net payment terms affect cash flow?
Longer terms delay cash inflow for sellers while giving buyers more time to pay. Shorter terms improve seller cash flow but may reduce competitiveness. Early payment discounts can bridge the gap, rewarding buyers who pay faster.
Can Rillion help manage invoice payment terms?
Yes. Rillion's AP automation software captures invoices, routes approvals based on your rules, and sends automatic reminders so nothing gets paid late. Finance teams get full visibility into where every invoice stands, from receipt to payment, without manual tracking.