Enter the invoice date and payment terms to see the due date and the day the cash actually lands in your bank, including clients who pay late.
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Invoice due
Thu, Nov 12, 2026
30 days after the invoice date
Client sends payment
Thu, Nov 12, 2026
On the due date
Cash in your bank
Mon, Nov 16, 2026
34 days after you invoice
From today
34 days
until the cash lands
The due date on an invoice is the earliest the money could reasonably arrive, not when it will. Across B2B service firms, payments routinely land days or weeks after the due date because the client batches payment runs, the invoice waits for approval, or the payment method takes time to clear.
That gap is what hurts cash flow planning. If you plan payroll or a vendor payment around the due date, a client who pays 10 days late on a check turns a Net 30 invoice into a 45-day wait. Put the client’s real payment habit into the "days late" field to plan around the date that matters.
The same invoice, dated Thursday March 5, 2026, under each set of terms. Weekend due dates move to the next Monday, the way the calculator does it with the weekend option on.
| Terms | Due date | Days of credit |
|---|---|---|
| Due on receipt | Thu, Mar 5, 2026 | 0 |
| Net 7 | Thu, Mar 12, 2026 | 7 |
| Net 10 | Mon, Mar 16, 2026 (Mar 15 is a Sunday) | 11 |
| Net 14 | Thu, Mar 19, 2026 | 14 |
| Net 15 | Fri, Mar 20, 2026 | 15 |
| EOM | Tue, Mar 31, 2026 | 26 |
| Net 30 | Mon, Apr 6, 2026 (Apr 4 is a Saturday) | 32 |
| Net 45 | Mon, Apr 20, 2026 (Apr 19 is a Sunday) | 46 |
| Net 30 EOM | Thu, Apr 30, 2026 | 56 |
| Net 60 | Mon, May 4, 2026 | 60 |
| Net 90 | Wed, Jun 3, 2026 | 90 |
Two things stand out. EOM terms give a different amount of credit depending on the invoice date: an invoice dated March 30 on Net 30 EOM gets 31 days, one dated March 1 gets 60. And Net 30 is rarely exactly 30 days once weekends are counted.
You invoice on March 5, 2026 on Net 30. The client usually pays about 10 days late and pays by paper check.
Net 30 lands on Saturday April 4, so the due date is Monday April 6. Ten days late puts the payment on Thursday April 16. A check takes about a week of business days to arrive and clear, so the cash is in your account on Monday April 27: 53 days after you sent the invoice, not 30.
If the same client paid on time by ACH, the cash would land on April 8, 34 days after the invoice. Moving one client from check to ACH or card is often worth more than shortening the terms.
| Term | What it means |
|---|---|
| 2/10 Net 30 | 2% discount if paid within 10 days, otherwise the full amount in 30 days. |
| MFI (month following invoice) | Due on a set day of the month after the invoice month, for example "15 MFI" is the 15th of next month. |
| CIA / PIA | Cash in advance or payment in advance: no work starts until the invoice is paid. |
| 50% upfront | Half on signing, the rest on delivery. Common for fixed-fee projects and new clients. |
| CND | Cash next delivery: each delivery pays for the previous one. |
| Stage payments | Amounts due at agreed milestones rather than on a calendar. |
Add the payment term days to the invoice date. An invoice dated March 1 on Net 30 terms is due March 31. EOM terms are due on the last day of the invoice month, and Net 30 EOM terms are due 30 days after the end of the invoice month.
Calendar days, counted from the invoice date unless the contract says otherwise. If the due date falls on a weekend, most clients pay on the next business day.
Payment is due 30 days after the end of the month in which the invoice was issued. An invoice dated March 5 on Net 30 EOM is due April 30, which gives the client up to about 55 days.
Two gaps: many clients pay a few days after the due date, and the payment method takes time to clear. A check can add a week, ACH one to three business days. This calculator adds both so you see the date the cash actually lands.
Invoice the day work is delivered instead of at month end, shorten terms for new clients, include a payment link on the invoice, and send a reminder a few days before the due date rather than after it.
The client can take a 2% discount if they pay within 10 days; otherwise the full amount is due in 30 days. Skipping the discount to pay 20 days later costs the client about 37% a year, so finance teams with cash on hand usually take it.
Usually the invoice date. Some contracts count from the date the invoice is received or the goods are accepted, which can add days if the invoice sits in an approval queue. Send invoices the day they are dated and write the start point into the terms.
It depends on the country. In the EU, the Late Payment Directive sets 30 days as the default for business-to-business invoices when the contract is silent, and caps agreed terms at 60 days unless they are expressly agreed and not grossly unfair. The US has no general federal default; the contract decides.
Try a free tool for the same step, or read more on the blog. Stuck on something? Ask me.