Net 30 Calculator: Due Date and Wording for 30-Day Payment Terms

Paid late? Amount and yearly interest rate (optional)

Example: an invoice dated 14 October 2026 on Net 30

Due date Friday, 13 November 2026

Counting
14 October 2026 + 30 calendar days

Wording with this date: Payment terms: Net 30. Payment is due within 30 days of the invoice date, by 13 November 2026.

Every common term for this invoice date

Due dates under each payment term for the invoice date in the calculator
TermDue dateDayFrom 14 Oct 2026
Net 7 Wed Wed in 7 days
Net 10 Sat Sat in 10 days
Net 15 Thu Thu in 15 days
Net 21 Wed Wed in 21 days
Net 30 Fri Fri in 30 days
Net 45 Sat Sat in 45 days
Net 60 Sun Sun in 60 days
Net 90 Tue Tue in 90 days
Net 120 Thu Thu in 120 days
30 days EOM Mon Mon in 47 days
45 days EOM Tue Tue in 62 days
60 days EOM Wed Wed in 77 days
90 days EOM Fri Fri in 107 days

Net 30 due dates for 2026

Invoice dateNet 30 due dateWeekday
15 January 2026 14 February 2026 Saturday (weekend)
15 February 2026 17 March 2026 Tuesday
15 March 2026 14 April 2026 Tuesday
15 April 2026 15 May 2026 Friday
15 May 2026 14 June 2026 Sunday (weekend)
15 June 2026 15 July 2026 Wednesday
15 July 2026 14 August 2026 Friday
15 August 2026 14 September 2026 Monday
15 September 2026 15 October 2026 Thursday
15 October 2026 14 November 2026 Saturday (weekend)
15 November 2026 15 December 2026 Tuesday
15 December 2026 14 January 2027 Thursday

Net 30 vs 30 Days EOM

Invoice dateNet 3030 Days EOM, method 130 Days EOM, method 2
2 January 20261 February 20262 March 202628 February 2026
15 January 202614 February 20262 March 202628 February 2026
25 January 202624 February 20262 March 202628 February 2026
31 January 20262 March 20262 March 202631 March 2026

Net 30 wording to copy

  • Payment terms: Net 30. Payment is due within 30 days of the invoice date, by [due date].
  • Please pay the full amount of this invoice within 30 days of the invoice date (due [due date]).
  • Terms: 30 days net from the invoice date. Due date: [due date].
  • Payment is due 30 days after the invoice date, on [due date]. Please include the invoice number with your payment.
  • Net 30 — payment due [due date].
About these dates

Also written as: Net 30 days · 30 days net · 30 days nett · 30 day payment terms · payment within 30 days · invoice payable within 30 days · terms of payment 30 days · 30 days to pay invoice

EOM rows start counting when the invoice month ends (method 1); the EOM guide shows the second reading. Dates are calendar arithmetic: weekends and holidays are not skipped.

Replace [due date] with the date from the calculator.

What the law says about 30-day payment periods

United Kingdom: When payment is late if no payment date was agreed (business to business)

If you do not agree a payment date, the law says the payment is late 30 days after either: the customer gets the invoice; you deliver the goods or provide the service (if this is later)
— GOV.UK, Late commercial payments: charging interest and debt recovery. GOV.UK · verified . Counts from receipt of the invoice or delivery of the goods or service, whichever is later, not from the invoice date.

European Union: Business to business: when no payment date or period is fixed in the contract

where the date or period for payment is not fixed in the contract, that the creditor is entitled to interest for late payment upon the expiry of 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. 3(3)(b)(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.

United States (federal agencies): Federal Prompt Payment rules: when the payment period starts

The period available to an agency to make timely payment of an invoice without incurring an interest penalty shall begin on the date of receipt of a proper invoice
— 5 CFR 1315.4(f). eCFR · verified . Counts from receipt of a proper invoice, not from the invoice date.

United States (federal agencies): Federal Prompt Payment rules: the 30-day due date when the contract sets none

30 days after the start of the payment period as specified in paragraph (f) of this section, if not specified in the contract, if discounts are not taken, and if accelerated payment methods are not used.
— 5 CFR 1315.4(g)(1)(iv). eCFR · verified .

California: Freelance Worker Protection Act (SB 988): when a freelance worker must be paid

(a) Except as otherwise provided by law, a hiring party shall pay a freelance worker the compensation specified by a contract for professional services: (1) On or before the date compensation is due pursuant to the contract. (2) If the contract does not specify when the hiring party shall pay, no later than 30 days after the completion of the freelance worker’s services under the contract.
— Cal. Bus. & Prof. Code § 18102(a). California Legislative Information · verified . Counts from completion of the services when the contract sets no date.

California: Freelance Worker Protection Act (SB 988): who is covered and from when

This part applies only to contracts entered into or renewed on or after January 1, 2025.
— Cal. Bus. & Prof. Code § 18107. California Legislative Information · verified . § 18101(a) covers a freelance worker hired "to provide professional services in exchange for an amount equal to or greater than two hundred and fifty dollars ($250), either by itself or when aggregated with all contracts for services between the same hiring party and independent contractor during the immediately preceding 120 days."

Not legal advice. Legal texts are quoted as of the date shown; confirm the rules for your contract at the official source.

due date = invoice date + 30 calendar days. The day after the invoice date is day 1, and day 30 is the due date: the last day to pay on time, unless the contract says otherwise.

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 below.

Late interest in the calculator is simple interest: amount × yearly rate × days late ÷ 365, where the days late are the days after the due date up to and including today. It is arithmetic on the rate you enter, not a statement that the rate is allowed.

Net 30 counts from the invoice date. 30 Days EOM counts 30 days from the end of the invoice month (method 1). A second reading counts 30 days from the invoice date and then runs to the end of that month (method 2).

Is payment taken automatically on day 30?

No. A Net 30 invoice only states when payment is due. Money moves on day 30 only if the payer pays it, or has separately authorised you to collect it, for example by a direct debit or a recurring card or bank payment. That authorisation is an arrangement between the payer and the collector; the invoice term alone does not create it.

Preauthorized electronic fund transfers from a consumer's account may be authorized only by a writing signed or similarly authenticated by the consumer. The person that obtains the authorization shall provide a copy to the consumer.
— 12 CFR 1005.10(b). Source · verified .Regulation E defines "consumer" as "a natural person" and covers accounts "established primarily for personal, family, or household purposes" (12 CFR 1005.2(b)(1) and (e)).
When a preauthorized electronic fund transfer from the consumer's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer.
— 12 CFR 1005.10(d)(1). Source · verified .
If there are any changes to the amount, date or frequency of your Direct Debit the organisation will notify you (normally 10 working days) in advance of your account being debited or as otherwise agreed.
— The Direct Debit Guarantee (scheme rules published for the Direct Debit scheme operated by Pay.UK). Source · verified .Scheme-operator text, not legislation.

The two US rules come from Regulation E and cover consumer accounts only, not business accounts. The UK line is from the Direct Debit Guarantee. Invoices made with our generator print the term and the due date; the generator does not collect payments.