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
Fri, Oct 23, 2026
30 days after the invoice date
Client sends payment
Fri, Oct 23, 2026
On the due date
Cash in your bank
Tue, Oct 27, 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.
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.
Chasing the same clients every month? We automate reminders, escalation, and payment follow-up on top of QuickBooks or Xero.
See AR automation