Net 30 Calculator

What Net 30 and 2/10 Net 30 mean

Net 30 gives your customer 30 calendar days from the invoice date to pay the full amount. Day 1 is the day after the invoice date, so an invoice dated September 1, 2026 is due on Thursday, October 1, 2026.

2/10 Net 30 adds a reward for paying early: the customer may take 2% off if they pay within 10 days, and otherwise pays the full amount by day 30. On that invoice, 10 days runs to September 11, 2026. For 1,000.00, the customer pays 980.00 by then or 1,000.00 by October 1, 2026. The first number is the discount in percent, the second is the number of days it lasts, and Net 30 is the full term.

How to use the Net 30 calculator

1. 1

   Enter the invoice date

   The Net 30 due date is 30 calendar days after it.

2. 2

   Enter the invoice amount

   Use the amount the discount applies to, usually the invoice total. Any currency works; the results use the same one.

3. 3

   Set the discount and its period

   For 2/10 Net 30, enter 2 and 10. For 1/10 Net 30, enter 1 and 10. Set the discount to 0 when you only need the Net 30 due date.

4. 4

   Copy the dates onto the invoice

   Write the due date, the discount deadline and both amounts on the invoice, so your customer sees exactly what to pay and when.

What the discount is worth as a yearly rate

A customer who pays on day 10 instead of day 30 pays 20 days early. For that, they keep 2% of the invoice, which is 2.04% of the money they actually pay (2 ÷ 98). A year holds 18.25 periods of 20 days, so the discount works out at 37.24% a year:

annual rate = discount ÷ (100 − discount) × 365 ÷ (30 − discount days) × 100

The calculator uses a 365-day year and simple interest, and assumes payment arrives exactly on the day the discount ends or on day 30. For a buyer, the discount is worth taking when this rate is higher than what the money costs you or earns elsewhere. For a seller, the same rate is the price of being paid 20 days sooner.

Other discounts on Net 30, for an invoice of 1,000.00:

Where 30 days is the fallback

Net 30 is a term you agree with your customer. Some rules use 30 days when no payment date was agreed, and they count from when the invoice or the work arrives, not from the invoice date:

• United Kingdom: “Unless you agree a payment date, the customer must pay you within 30 days of getting your invoice or the goods or service.” (GOV.UK, checked September 25, 2026)
• California, freelance workers: “If the contract does not specify when the hiring party shall pay, no later than 30 days after the completion of the freelance worker’s services under the contract.” (Cal. Bus. & Prof. Code § 18102(a), California Legislative Information, checked September 25, 2026). “This part applies only to contracts entered into or renewed on or after January 1, 2025.” (Cal. Bus. & Prof. Code § 18107)
• United States (federal agencies): payment is due “30 days after the start of the payment period as specified in paragraph (f) of this section, if not specified in the contract, if discounts are not taken, and if accelerated payment methods are not used”, and that period starts “on the date of receipt of a proper invoice” (5 CFR 1315.4(g)(1)(iv) and 5 CFR 1315.4(f), eCFR, checked September 25, 2026)

Related tools

• Invoice Due Date Calculator: Net 10 to Net 60, EOM terms and weekend dates.
• Invoice Number Generator: a numbered list for your next invoices.
• Free Invoice Generator: put the due date and your terms on a PDF invoice.