Payment Terms & Due Date Calculator
Enter an invoice issue date and payment terms (NET 30, NET 14, due on receipt, etc.) to see the exact due date. Add an early-payment discount (like 2/10 NET 30) to see how much a prompt client saves.
NET 30 = 30. NET 14 = 14. Due on receipt = 0.
How the payment terms calculator works
Dates, discounts, and the maths of common B2B terms.
Pick the issue date and terms
Default is today. Tap a NET chip (NET 7, 14, 30, 45, 60, 90) or type custom days. "Due on receipt" means 0 days — payment expected on delivery of the invoice.
Read the due date
The calculator adds the payment days to the issue date and shows the formal due date formatted for your locale.
Offer an early-payment discount
Set a discount % and how fast the client must pay to earn it. 2/10 NET 30 = 2% off if paid in 10 days, otherwise net in 30. Great for accelerating cash flow.
Why use this calculator
Instant results
Every change recalculates live — no loading, no wait. Run scenarios in seconds.
Runs in your browser
Nothing is sent to our servers. Your numbers stay on your device.
12 languages
Use it in English, Spanish, French, German, Portuguese, Italian, Dutch, Polish, Japanese, Korean, Chinese, or Arabic.
Accurate and transparent
Clean math with clear breakdowns so you understand every figure — not a black box.
Want to go further than a calculator?
Create a free KipBill account to invoice clients, track payments, manage taxes, and send reminders automatically.
Open free accountPayment Terms Calculator — FAQ
What does NET 30 mean?+
NET 30 means the full invoice amount is due 30 days after the invoice date. It's the most common B2B term in the US and UK. "NET" signals that no discount applies — the full amount is owed by the due date.
What does 2/10 NET 30 mean?+
A 2% discount if paid within 10 days, otherwise the full net amount is due in 30 days. On a $10,000 invoice, paying by day 10 saves the client $200. It's a common carrot to speed up cash flow from larger buyers.
Should I offer early-payment discounts?+
Helpful when cash flow is tight or clients delay routinely. The annualised cost of 2/10 NET 30 is about 36% — expensive credit if many clients take it. Better options: shorter NET terms for new clients, deposits, or credit checks.
What are typical payment terms by industry?+
Freelancers and small agencies: NET 14 or 50% upfront + balance on delivery. Mid-market B2B services: NET 30. Enterprise procurement: NET 45-60 is common, NET 90 not unusual. Retail to distributors: NET 30 with volume discounts.
Can I charge interest if a client misses the due date?+
Yes — either contractually (state it in your terms) or by statute (UK Late Payment Act, EU Directive 2011/7 for B2B). Use our late fee calculator to work out the interest. Mention the interest rate on the invoice to make enforcement easier.
Does KipBill track due dates automatically?+
Yes — set default payment terms per client or invoice, and KipBill flags overdue invoices, colour-codes due dates on the dashboard, and sends optional reminders 7/14/30 days after the due date.