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OmniTools

Payment Terms Calculator

Turn net 30, EOM and 2/10 net 30 into the date a term actually produces, naming the trigger and showing the 30-day spread one ambiguous clause can hide.

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Invoice payment terms calculator

The due date a term actually produces. Most disagreements about net 30 are not about the 30: they are about which date the clock starts on, and whether the month end wins.

Roll a closed-day due date forward
Off means the date stands as written, even on a Sunday.

Due date

Waiting for today's date. Your browser fills it in as soon as the page is interactive, or pick any date above.

This tool runs entirely in your browser. Nothing you enter is uploaded, stored, or logged.

What this tool does

Most arguments about net 30 are not about the 30. They are about which date the clock starts on, and whether the month end overrides it. This tool names the trigger, whether that is the invoice date, the statement date, delivery or acceptance, or receipt of a valid undisputed invoice, and then produces the date that reading actually gives, alongside the other readings of the same clause.

How it works

The trigger is the part of net 30 that contracts never define clearly. Counting from the invoice date gives the buyer the least credit and is the usual reading. Counting from the statement date holds every invoice in a batch past its own term. Counting from delivery or acceptance shortens the credit, because the delivery date is usually later than the invoice. Counting from receipt of a valid, undisputed invoice is the term most often argued over, because a purchase order mismatch, a query or a dispute can reset or suspend the clock.

The end-of-month conventions are where one clause produces a month of difference. A plain EOM ignores N entirely and pays on the last day of the month the base date falls in. Net N EOM adds N days to the last day of the month, not to the base date. On an invoice dated 15 September 2026 with net 30, the three readings give 30 September, 15 October and 30 October: a 30-day spread, and nothing in the wording settles which one a court or a buyer would pick.

An early payment discount is converted into the number an owner actually compares against their cost of capital. 2/10 net 30 is 2% for paying 20 days early, and annualising that over a 20-day window on an actual 365-day basis gives about 36.5% a year. The basis is stated rather than implied, because 365 does not drift with how many terms happen to fall in the year, while the money market convention of 360 quotes slightly higher.

A due date that lands on a weekend or a banking holiday is worth knowing about, because a bank will not originate a payment dated for one. Rolling it forward is a convention rather than a law, so the tool warns by default and moves the date only when you ask. The base for the discount also moves: in US business-to-business terms it is pre-tax and in parts of the EU it is gross, so the same 2% is a different amount on the same invoice.

Worked example

An invoice dated 15 September 2026 for 1,00,000 rupees on 2/10 net 30 terms, with no end-of-month clause.

  1. The trigger is the invoice date, 15 September 2026, and net 30 calendar days gives 15 October 2026
  2. The 2% discount applies if payment is made by 5 October 2026, which is 2% of 1,00,000 = 2,000 rupees
  3. Paying on the due date instead keeps 30 - 10 = 20 days of credit, and those 20 days are what the 2% was priced against
  4. Annualised on an actual 365-day basis: 2 x 365 / 20 = 36.5% a year

Due 15 October 2026, with a 2,000 rupee discount available if payment is made by 5 October 2026, an annualised 36.5% on the 20 days of credit given up.

Accuracy and limitations

  • This is arithmetic, not legal advice. A queried or disputed invoice may suspend or reset a receipt-based term, and how a clause is construed is a matter for the contract and the parties.
  • A due date on a closed day is left as written unless you ask for the roll-forward, because which convention applies is written into the contract you are relying on rather than into any calculator.
  • The discount base is pre-tax in some jurisdictions and gross in others, so the rupee figure moves with the tax treatment even when the percentage does not.

Frequently asked questions

When does the net 30 clock start?
That is the whole question, and contracts often do not say. Net 30 most often runs from the invoice date, sometimes from the statement date, sometimes from delivery or acceptance, and sometimes from the day a valid, undisputed invoice is received. Each is a separate reading, and they can be weeks apart on the same document.
What does net 30 EOM mean?
It means 30 days added to the last day of the month the base date falls in, not 30 days from the base date. On an invoice dated 15 September 2026 that gives 30 October 2026, where a plain EOM reading gives 30 September 2026, so one ambiguous clause is worth a full month.
Is 2/10 net 30 worth taking?
Annualised on a 365-day basis, 2% for paying 20 days early is about 36.5% a year, and that is the figure to compare against your cost of capital. On a 30-day credit cycle it is one of the cheapest returns available to a business, and most Indian wholesale buyers should take it.
What is a prox terms clause?
Terms written as prox 10th net mean payment falls due on the 10th of the following month, and read literally the clause ignores the invoice date altogether. A term that looks shorter than net 30 can therefore hand a supplier far more credit, which is exactly why the trigger matters.
Does a due date on a Sunday move?
Most contracts move a due date that lands on a closed day, and a bank will not originate a payment dated for one, so an automated run for the literal date is rejected rather than delayed. The tool warns and leaves the date as written unless you ask for the roll-forward.