Net 45 Calculator: Due Date and Meaning of Net 45 Terms

Paid late? Amount and yearly interest rate (optional)

Example: an invoice dated 3 November 2026 on Net 45

Due date Friday, 18 December 2026

Counting
3 November 2026 + 45 calendar days

Wording with this date: Payment terms: Net 45. Payment is due within 45 days of the invoice date, by 18 December 2026.

Every common term for this invoice date

Due dates under each payment term for the invoice date in the calculator
TermDue dateDayFrom 3 Nov 2026
Net 7 Tue Tue in 7 days
Net 10 Fri Fri in 10 days
Net 15 Wed Wed in 15 days
Net 21 Tue Tue in 21 days
Net 30 Thu Thu in 30 days
Net 45 Fri Fri in 45 days
Net 60 Sat Sat in 60 days
Net 90 Mon Mon in 90 days
Net 120 Wed Wed in 120 days
30 days EOM Wed Wed in 57 days
45 days EOM Thu Thu in 72 days
60 days EOM Fri Fri in 87 days
90 days EOM Sun Sun in 117 days

Net 45 due dates for 2026

Invoice dateNet 45 due dateWeekday
15 January 2026 1 March 2026 Sunday (weekend)
15 February 2026 1 April 2026 Wednesday
15 March 2026 29 April 2026 Wednesday
15 April 2026 30 May 2026 Saturday (weekend)
15 May 2026 29 June 2026 Monday
15 June 2026 30 July 2026 Thursday
15 July 2026 29 August 2026 Saturday (weekend)
15 August 2026 29 September 2026 Tuesday
15 September 2026 30 October 2026 Friday
15 October 2026 29 November 2026 Sunday (weekend)
15 November 2026 30 December 2026 Wednesday
15 December 2026 29 January 2027 Friday

Net 45 vs 45 Days EOM

Invoice dateNet 4545 Days EOM, method 145 Days EOM, method 2
2 January 202616 February 202617 March 202628 February 2026
15 January 20261 March 202617 March 202631 March 2026
25 January 202611 March 202617 March 202631 March 2026
31 January 202617 March 202617 March 202631 March 2026

Net 45 wording to copy

  • Payment terms: Net 45. Payment is due within 45 days of the invoice date, by [due date].
  • Please pay the full amount within 45 days of the invoice date (due [due date]).
  • Terms: 45 days net from the invoice date. Due date: [due date].
About these dates

Also written as: Net45 · Net 45 days · 45 days net · payment terms 45 days · payment within 45 days

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 45-day payment periods

California (state agencies): California state agencies: 45 calendar days from receipt of an undisputed invoice

Except as otherwise provided in this chapter, to avoid late payment penalties, the maximum time from state agency receipt of an undisputed invoice to the date of payment is 45 calendar days. If payment is not issued within 45 calendar days from the state agency receipt of an undisputed invoice, late payment penalties shall be paid to the claimant in accordance with Sections 927.6 and 927.7.
— Cal. Gov. Code § 927.4. California Legislative Information · verified . Counts from the state agency's receipt of an undisputed invoice, not from the invoice date. California state agencies only (Government Code, Chapter 4.5, Prompt Payment of Claims); not private buyers.

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 + 45 calendar days. The day after the invoice date is day 1, and day 45 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 45 counts from the invoice date. 45 Days EOM counts 45 days from the end of the invoice month (method 1). A second reading counts 45 days from the invoice date and then runs to the end of that month (method 2).