Payment Terms Calculator
Choose your payment terms and invoice date to see the exact due date, with a plain-English explanation of each term.
Invoice details
Due date
Mon, Aug 10, 2026
Net 30: Payment is due 30 days after the invoice date.
All terms for this invoice date
| Term | Meaning | Due date |
|---|---|---|
| Due on receipt | Payment is due immediately when the client receives the invoice. | Sat, Jul 11, 2026 |
| Net 15 | Payment is due 15 days after the invoice date. | Sun, Jul 26, 2026 |
| Net 30 | Payment is due 30 days after the invoice date. | Mon, Aug 10, 2026 |
| Net 45 | Payment is due 45 days after the invoice date. | Tue, Aug 25, 2026 |
| Net 60 | Payment is due 60 days after the invoice date. | Wed, Sep 9, 2026 |
| EOM (end of month) | Payment is due on the last day of the month the invoice was issued. | Fri, Jul 31, 2026 |
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This free payment terms calculator turns your invoice date and chosen terms into an exact due date, so both you and your client know precisely when payment is expected. It also explains what each common term means in plain English.
How Net terms work. “Net” refers to the full amount payable, and the number is the payment window in calendar days after the invoice date. Net 15 means 15 days, Net 30 means 30 days, and Net 60 means 60 days. So an invoice dated the 1st with Net 30 terms is due on the 31st of that month.
Due on receipt and EOM. Due on receipt means payment is expected as soon as the invoice arrives, with no grace period — ideal for new clients or one-off work. EOM (end of month) means the invoice is due on the last day of the month it was issued, which suits clients who pay on a single monthly cycle.
Shorter terms improve your cash flow, while longer terms are common when invoicing larger companies. Whichever you pick, agree it with your client before you start and state it clearly on every invoice so there is no confusion about the due date. This tool counts calendar days, not business days.
Frequently asked questions
What does Net 30 mean on an invoice?
Net 30 means the full invoice amount is due 30 calendar days after the invoice date. Net 15 and Net 60 work the same way with 15 and 60 days. "Net" simply refers to the total amount payable, and the number is the payment window in days.
What does Due on receipt mean?
Due on receipt means payment is expected immediately when the client receives the invoice, with no grace period. It is the fastest term and is common for one-off jobs, new clients, or small amounts where you want to be paid straight away.
What does EOM mean in payment terms?
EOM stands for "end of month" — the invoice is due on the last day of the month in which it was issued. It is convenient for clients who run one payment cycle per month. Some businesses use a variation, such as "Net 15 EOM", meaning 15 days after the end of the month.
Which payment term should I use?
Shorter terms like Due on receipt or Net 15 get you paid faster and help cash flow, while Net 30 or Net 60 are common when working with larger companies that expect longer windows. Agree the term with your client up front and state it clearly on every invoice.