Payment terms calculator
When is your invoice actually due?
Calculate exact due dates for any net payment term. See how much an early-pay discount saves your client — and how to use it to get paid 18+ days faster.
Invoice details
Due dates by payment terms
Net 15
May 27, 2026
15 days from invoice date
Net 30
June 11, 2026
30 days from invoice date
Net 45
June 26, 2026
45 days from invoice date
Net 60
July 11, 2026
60 days from invoice date
Net 90
August 10, 2026
90 days from invoice date
Early payment incentive
Offer your client a 2% discount if they pay within 10 days. Use this on your invoice: "Pay by May 22, 2026 and save 2%."
Full amount
$5,000.00
Client saves
$100.00
Early-pay total
$4,900.00
Common payment terms explained
Due on receiptPayment expected immediately upon delivery
Net 15Standard for small projects or trusted clients
Net 30Most common for freelancers and small business
Net 60/90Larger enterprises — negotiate early-pay discounts
2/10 Net 302% discount if paid in 10 days, otherwise Net 30