90 Days EOM: Meaning and Due Dates

90 Days EOM means payment is due 90 days after the end of the month in which the invoice is dated. Counting from the last day of that month, an invoice dated 15 January 2026 is due on 1 May 2026 (Friday). Because a second counting method gives 30 April 2026, print the exact due date on the invoice.

Also written as: 90 days end of month · EOM 90 days · Net 90 EOM · 90 days EOM payment terms

What 90 Days EOM means

90 days EOM ("end of month") means the payment period of 90 days starts at the end of the month in which the invoice is dated, not on the invoice date itself.

In date arithmetic: find the last day of the invoice month, then add 90 calendar days. That is method 1 below, and it is the reading our tables and due date calculator show first. The words "90 Days EOM" do not say which method applies, so agree it with your customer and print the resulting date on the invoice.

Two ways to count 90 Days EOM

  1. Method 1: end of the invoice month + 90 days. Invoice dated 15 January 2026 → end of month 31 January 2026 → + 90 days = 1 May 2026 (Friday).
  2. Method 2: invoice date + 90 days, then to the end of that month. 15 January 2026 + 90 days = 15 April 2026 → end of that month = 30 April 2026 (Thursday).

A French ministerial answer describes these two methods for "45 jours fin de mois" (45 days end of month) and says the parties should agree one in advance; it does not deal with other periods. The same two readings exist for 90 Days EOM as a matter of arithmetic. See the quote on the 45 days EOM page.

90 Days EOM due dates for 2026

Method 1 gives the same due date for every invoice dated in the same month. Method 2 depends on the invoice day, so it is shown for invoices dated the 1st and the 15th.

Invoice monthMethod 1 (any invoice date)Method 2, invoice on the 1stMethod 2, invoice on the 15th
January 20261 May 2026 (Fri)30 April 202630 April 2026
February 202629 May 2026 (Fri)31 May 202631 May 2026
March 202629 June 2026 (Mon)31 May 202630 June 2026
April 202629 July 2026 (Wed)30 June 202631 July 2026
May 202629 August 2026 (Sat)31 July 202631 August 2026
June 202628 September 2026 (Mon)31 August 202630 September 2026
July 202629 October 2026 (Thu)30 September 202631 October 2026
August 202629 November 2026 (Sun)31 October 202630 November 2026
September 202629 December 2026 (Tue)30 November 202631 December 2026
October 202629 January 2027 (Fri)31 December 202631 January 2027
November 202628 February 2027 (Sun)31 January 202728 February 2027
December 202631 March 2027 (Wed)31 March 202731 March 2027

Weekdays are shown for method 1. Calendar days are counted; whether a due date on a weekend moves to the next business day is for your contract to say.

How many days 90 Days EOM gives

Between 90 and 120 days after the invoice date, under either method. The shortest case is an invoice dated on the last day of a month: 31 January 2026 → 1 May 2026, exactly 90 days. The longest is an invoice dated on the 1st of a 31-day month: 1 January 2026 → 1 May 2026, 120 days (method 1).

90 Days EOM in Excel or Google Sheets

With the invoice date in cell A2 (format the result cell as a date):

  • Method 1: =EOMONTH(A2,0)+90
  • Method 2: =EOMONTH(A2+90,0)

Microsoft's Excel help says EOMONTH "Returns the serial number for the last day of the month that is the indicated number of months before or after start_date" (Microsoft Support); Google Sheets uses the same syntax, EOMONTH(start_date, months), and "Returns a date representing the last day of a month which falls a specified number of months before or after another date" (Google Docs Editors Help). Checked 2026-09-25.

How to write 90 Days EOM on an invoice

Replace [due date] with the date you worked out. The date removes any doubt about the counting method.

  • Payment terms: 90 days end of month (90 days EOM). Payment is due by [due date].
  • Please pay within 90 days of the end of the invoice month, by [due date].
  • Terms: 90 days EOM, counted from the last day of the invoice month. Due date: [due date].

Filled in for an invoice dated 15 January 2026 (method 1): "Payment terms: 90 days end of month (90 days EOM). Payment is due by 1 May 2026."

What the law says

90 Days EOM gives 90 to 120 days after the invoice date. The texts below set limits and conditions for agreed payment periods, including periods longer than 60 days; count the actual days on your invoice rather than relying on the label.

United Kingdom: Agreed payment periods: 30 days for public authorities, 60 days for business transactions

If you agree a payment date, it must usually be within 30 days for public authorities or 60 days for business transactions. You can agree a longer period than 60 days for business transactions - but it must be fair to both businesses.
— GOV.UK, Late commercial payments: charging interest and debt recovery. GOV.UK · verified .

European Union: Business to business: agreed payment periods over 60 days

Member States shall ensure that the period for payment fixed in the contract does not exceed 60 calendar days, unless otherwise expressly agreed in the contract and provided it is not grossly unfair to the creditor within the meaning of Article 7.
— Directive 2011/7/EU, Art. 3(5). EUR-Lex · verified . A directive binds EU Member States; businesses apply each country's national law that implements it.

European Union: Public authorities as the payer: the 30-day period

the period for payment does not exceed any of the following time limits: (i) 30 calendar days following the date of receipt by the debtor of the invoice or an equivalent request for payment;
— Directive 2011/7/EU, Art. 4(3)(a)(i). EUR-Lex · verified . Counts from receipt of the invoice, not from the invoice date. A directive binds EU Member States; businesses apply each country's national law that implements it.

European Union: Public authorities as the payer: longer agreed periods

Member States shall ensure that the period for payment fixed in the contract does not exceed the time limits provided for in paragraph 3, unless otherwise expressly agreed in the contract and provided it is objectively justified in the light of the particular nature or features of the contract, and that it in any event does not exceed 60 calendar days.
— Directive 2011/7/EU, Art. 4(6). EUR-Lex · verified . A directive binds EU Member States; businesses apply each country's national law that implements it.

More payment-period rules: what the law says about payment periods.

Put 90 Days EOM on an invoice with our generator

  1. Open the free invoice generator and enter the invoice date in the Date field.
  2. Type the due date into Due Date (the field starts empty). The generator does not work out EOM dates; use the table above or the due date calculator.
  3. The Terms & Conditions box starts with sample text: replace it with one of the 90 Days EOM lines above.
  4. Click Preview & Download to check the PDF, then download it.

The generator is free and unmetered for normal use; an anti-abuse cap of 20 PDFs per device per day (200 per IP) applies, well above ordinary use. A one-line "Created free with myinvoicetemplate.com" credit is switched on by default and one free checkbox in the settings turns it off. Your draft is stored in your own browser on this device, so download and keep the PDF you need.

90 Days EOM FAQ

What does 90 days EOM mean?

The customer pays 90 days after the end of the month in which the invoice is dated. Counting from the last day of the month, an invoice dated 15 January 2026 is due on 1 May 2026; counting 90 days from the invoice date and then going to the end of that month gives 30 April 2026.

How long is 90 days EOM in practice?

Between 90 and 120 days after the invoice date, so it is always longer than 60 days. The UK and EU texts quoted on this page set conditions for agreed payment periods longer than 60 days.

Not legal advice. The dates on this page are calendar arithmetic. Legal texts are quoted with the date we last checked them; confirm the rules that apply to your contract at the official source.