Invoice due-date calculator

Why your NET 30 invoice isn't actually 30 days

NET 30 usually means thirty calendar days from the invoice date, then the payable date moves if it lands on a weekend or bank holiday. A Friday invoice can become a Monday cash-flow event before customer delay enters the picture.

Banking holidays you've never heard of cost real money

Cross-border invoices have two calendars to respect. If the payer's bank is closed, the payee's bank is closed, or both are closed, the practical due date shifts. That matters when payroll, tax, or contractor payouts depend on the money landing on time.

2/10 NET 30 - when prompt payment is free money

A 2% discount for paying by day 10 can imply a very high annualized return compared with waiting until day 30. The calculator shows the discount deadline, cash saved, and the implied APR so you can decide whether early payment is worth taking.