Net 28 Calculator: Due Date for 28-Day Payment Terms

What Net 28 means

due date = invoice date + 28 calendar days. The day after the invoice date is day 1, and day 28 is the due date: the last day to pay on time, unless the contract says otherwise. 28 days is exactly 4 weeks, so the due date always falls on the same weekday as the invoice date.

This is date arithmetic only. Where a law sets its own payment period, it can count from a different event; the rules we have verified are quoted in the payment terms guide.

Net 28 due dates for 2026

An invoice dated the 15th of each month of 2026 and its Net 28 due date.

"Weekend" is only a flag: Net 28 counts calendar days, and whether a payment due on a Saturday or Sunday may be made on the next business day is for your contract to say.

Net 28 wording to copy

Replace [due date] with the date from the calculator. Printing the date, not only the term, means nobody has to count days.

• Payment terms: Net 28. Payment is due within 28 days of the invoice date, by [due date].
• Please pay the full amount within 28 days of the invoice date (due [due date]).
• Terms: 28 days net. Due date: [due date].

Filled in for an invoice dated 10 January 2026: "Payment terms: Net 28. Payment is due within 28 days of the invoice date, by 7 February 2026."

When a Net 28 invoice is paid late

Net 28 sets the due date; what you can charge after it depends on your contract and the law that applies. For US business invoices, the late fee calculator has a page for each state that quotes its statute (all state pages), and how to calculate late fees explains the methods. If the invoice stays unpaid, the demand letter generator drafts a formal request.

Put Net 28 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 from the calculator above into Due Date (the field starts empty).
3. The Terms & Conditions box starts with sample text: replace it with one of the Net 28 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.

Related payment terms

• Net 14
• Net 30