Net 45 Calculator: Due Date and Meaning of Net 45 Terms
Net 45 means the full invoice amount is due 45 calendar days after the invoice date. An invoice dated 10 January 2026 is due on 24 February 2026 (Tuesday). Weekends and public holidays count like any other day.
Also written as: Net45 · Net 45 days · 45 days net · payment terms 45 days · payment within 45 days
Net 45 due date
- Due date
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- Counting
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- From today
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Wording with this date:
What Net 45 means
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.
Net 45 due dates for 2026
An invoice dated the 15th of each month of 2026 and its Net 45 due date.
| Invoice date | Net 45 due date | Weekday |
|---|---|---|
| 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 |
"Weekend" is only a flag: Net 45 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 45 vs 45 Days EOM
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). The same invoice dates give these due dates:
| Invoice date | Net 45 | 45 Days EOM, method 1 | 45 Days EOM, method 2 |
|---|---|---|---|
| 2 January 2026 | 16 February 2026 | 17 March 2026 | 28 February 2026 |
| 15 January 2026 | 1 March 2026 | 17 March 2026 | 31 March 2026 |
| 25 January 2026 | 11 March 2026 | 17 March 2026 | 31 March 2026 |
| 31 January 2026 | 17 March 2026 | 17 March 2026 | 31 March 2026 |
Both methods and the full 2026 table: 45 Days EOM payment terms.
Net 45 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 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].
Filled in for an invoice dated 10 January 2026: "Payment terms: Net 45. Payment is due within 45 days of the invoice date, by 24 February 2026."
What the law says about 45-day payment periods
These rules set legal periods of their own, quoted word for word. Where a rule says what its period counts from, that is noted under the quote: it is not always the invoice date that "Net 45" on an invoice counts from.
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. All the payment-period rules we have verified, with interest and compensation where they apply: what the law says about payment periods.
When a Net 45 invoice is paid late
Net 45 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 45 on an invoice with our generator
- Open the free invoice generator and enter the invoice date in the Date field.
- Type the due date from the calculator above into Due Date (the field starts empty).
- The Terms & Conditions box starts with sample text: replace it with one of the Net 45 lines above.
- 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.
Net 45 FAQ
What does Net 45 mean on an invoice?
Net 45 means the full amount is due 45 calendar days after the invoice date. An invoice dated 10 January 2026 is due on 24 February 2026.
Is Net 45 the same as 45 days EOM?
No. 45 days EOM counts from the end of the invoice month, so it gives the customer between 45 and 75 days. On an invoice dated 15 January 2026, Net 45 is due on 1 March 2026 and 45 days EOM on 17 March 2026 (counting from the last day of the month).
Do California state agencies pay within 45 days?
California Government Code § 927.4 sets 45 calendar days from the state agency's receipt of an undisputed invoice to the date of payment, to avoid late payment penalties; §§ 927.6 and 927.7 set the penalties. It counts from receipt, not from the invoice date, and it applies to California state agencies only. The quote is on this page.
Not legal advice. The dates on this page are calendar arithmetic. Legal texts are quoted with the date we last checked them, which is not a promise that they are still current; confirm the rules that apply to your contract at the official source.