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Net 30 calculator: due dates and 2/10 net 30 discounts
Net 30 means the invoice is due in full 30 calendar days after the invoice date, so an invoice dated September 1 is due Oct 1, 2026. 2/10 net 30 adds a 2% discount for paying within 10 days, and skipping that discount costs about 37% a year. Enter the invoice date and the terms to get the due date, the discount pay-by date, the saving and the annual cost, or switch to the seller’s side to see what offering a discount costs you. When the due date passes, Morsa chases the invoice from your own mailbox and tracks every promise to pay.
Updated October 21, 2026
How to calculate a net 30 due date
Count calendar days, weekends and holidays included, starting the day after the invoice date. Most invoices count from the invoice date; some terms count from the end of the month (EOM) or from receipt of goods (ROG). If a due date lands on a weekend, it stays there unless your terms or your customer agreement say it moves to the next business day; the calculator can do either.
| Terms | Due date | Example: invoice dated Sep 1, 2026 | Excel |
|---|---|---|---|
| Net 30 | Invoice date + 30 days | Thu, Oct 1, 2026 | =A2+30 |
| Net 30 EOM | Last day of the invoice month + 30 days | Fri, Oct 30, 2026 | =EOMONTH(A2,0)+30 |
| 2/10 net 30, discount | Invoice date + 10 days | Fri, Sep 11, 2026 | =A2+10 |
| 2/10 net 30, in full | Invoice date + 30 days | Thu, Oct 1, 2026 | =A2+30 |
| Net 30, weekend moves to Monday | Next business day on or after day 30 | Same date when day 30 is a weekday | =WORKDAY(A2+29,1) |
| Days overdue | Today - due date, if positive | =MAX(0,TODAY()-(A2+30)) |
A2 holds the invoice date. WORKDAY skips weekends; add a holiday range as its third argument to skip holidays too.
What 2/10 net 30 means
2/10 net 30 (also written 2/10 n/30) means: take 2% off if you pay within 10 days, otherwise pay the full amount within 30 days. On a $10,000 invoice you pay $9,800.00 by day 10 or $10,000 by day 30. The 2% buys the seller 20 days of cash sooner, and buys you 20 more days of the supplier’s money if you skip it. 1/10 net 30 is the same deal at 1%.
The cost of not taking an early payment discount
Skipping the discount is a loan from your supplier: you keep $9,800.00 for 20 more days and pay $200 for it. As an annual rate that is d / (1 - d) x 365 / (net days - discount days). For 2/10 net 30 that is 2 / 98 x 365 / 20 = 37.24% a year. OpenStax’s Principles of Finance uses a 360-day year and gets 36.73%; both are the same simple rate on different year lengths. Compounded, as if you repeated the trade every 20 days all year, it is (1 + 2 / 98)^(365 / 20) - 1 = 44.6%. The calculator shows both and lets you pick 365 or 360 days.
| Terms | Extra days | Simple annual cost | Compounded |
|---|---|---|---|
| 1/10 net 30 | 20 | 18.4% | 20.1% |
| 2/10 net 30 | 20 | 37.2% | 44.6% |
| 2/15 net 30 | 15 | 49.7% | 63.5% |
| 3/10 net 30 | 20 | 56.4% | 74.3% |
| 2/10 net 45 | 35 | 21.3% | 23.5% |
| 2/10 net 60 | 50 | 14.9% | 15.9% |
| 1/15 net 45 | 30 | 12.3% | 13% |
365-day year. Simple = d / (1 - d) x 365 / extra days. Compounded = (1 + d / (1 - d))^(365 / extra days) - 1.
Should you take it?
Compare the simple rate with what your own money costs. If your line of credit charges 8%, borrowing to pay early on 2/10 net 30 still wins: on $10,000 you save $200 and pay about $42.96 of interest for 20 days, $157.04 ahead. Skip the discount only when your cost of money is above the rate in the table, or when paying early would leave you short of cash for payroll or a supplier that matters more.
Payment terms, explained
| Term | What it means |
|---|---|
| Net 7, 10, 15 | Pay in full within 7, 10 or 15 days of the invoice date. Common for small orders and new accounts. |
| Net 30 | Pay in full within 30 days of the invoice date. The default between businesses in the US and Canada. |
| Net 45, 60, 90 | Pay in full within 45, 60 or 90 days. Large buyers often push suppliers to these. |
| 2/10 net 30 | 2% off if paid within 10 days, otherwise the full amount within 30 days. |
| 1/10 net 30 | 1% off if paid within 10 days, otherwise the full amount within 30 days. |
| Net 30 EOM | Pay within 30 days of the end of the invoice month, so every invoice in a month shares one due date. |
| 2/10 EOM | 2% off if paid by the 10th of the next month, otherwise the full amount by the net date. |
| MFI, prox | Month following invoice: 15 MFI or 15th prox means the 15th of the next month. |
| ROG | Receipt of goods: the days count from delivery, not from the invoice date. Used when transit is long. |
| Due on receipt | Pay when the invoice arrives. |
| COD | Cash on delivery: paid when the goods are delivered. |
| CIA, CWO, PIA | Cash in advance, cash with order, payment in advance: paid before anything ships. Usual for new or risky accounts. |
| Late fee, 1.5% a month | Interest on overdue balances; it has to be on the invoice or in the agreement to be collectible, and state limits apply. |
Net days are calendar days. Write the terms and the start date on the invoice and in the credit agreement, so nobody argues about the day count later.
Net 30 vs net 60
Net 60 gives the buyer twice as long, and the seller carries twice the receivable. On $2 million a year of credit sales, moving every customer from net 30 to net 60 ties up about $164,000 more cash (2,000,000 / 365 x 30). Distributors usually hold net 30 as the standard, give net 45 or 60 only for volume or a contract, and use a discount like 1/10 net 30 to pull cash in from customers who can pay early.
Should a seller offer an early payment discount?
The Offering a discount tab works it out. Say you sell $2 million a year on credit, customers really pay in 48 days, and 40% of sales would take 2/10 net 30. The discount costs $16,000.00 a year and frees $81,621.92 of cash, because those customers pay 38 days sooner. That is cash at 19.6% a year. With a line of credit at 8%, carrying the same cash costs about $6,529.75, so the discount is the expensive option. A discount pays when your cost of money is high or a customer’s credit is shaky; otherwise collecting on time is cheaper.
The modern way: Morsa chases the invoices, so the terms hold
Terms only work if someone follows up on the day an invoice goes past due. The old way is a weekly aging report in a spreadsheet, phone calls when someone has time, and promises to pay written on a sticky note. Morsa does the following up. Each overdue invoice gets a polite note from your accounts receivable person’s own mailbox with the invoice attached. When a customer replies that they will pay Friday, Morsa logs it as a promise to pay, sets a reminder, and asks the owner whether to release the credit hold once the money lands. People approve; Morsa does the chasing.
Frequently asked questions
What does net 30 mean?
The full invoice amount is due 30 calendar days after the invoice date. An invoice dated September 1 is due October 1.
Does net 30 include weekends?
Yes. Net days are calendar days, weekends and holidays included. Some agreements move a weekend due date to the next business day; tick that box in the calculator if yours does.
Is net 30 from the invoice date or the delivery date?
From the invoice date unless the terms say otherwise. ROG terms count from receipt of goods, and EOM terms count from the end of the invoice month.
How do I calculate net 30 from today?
Add 30 days to today’s date. The calculator opens on today’s date, so the due date it shows is net 30 from today.
What does 2/10 net 30 mean?
Take 2% off if you pay within 10 days; otherwise pay the full amount within 30 days.
Is it worth taking a 2/10 net 30 discount?
Almost always. Skipping it costs 37.2% a year as a simple rate and 44.6% compounded, far above what a business line of credit charges.
What is net 30 EOM?
Payment is due 30 days after the end of the month the invoice is dated in. An invoice dated September 1 or September 30 is due October 30.
What happens if an invoice is paid late?
The seller can charge the late fee written on the invoice or in the agreement, put the account on credit hold, or move the customer to cash in advance. Most start with a reminder.
Related tools
WHERE MORSA FITS
Terms on paper, cash in the bank.
Morsa chases overdue invoices from your own accounts receivable mailbox, logs every promise to pay with a reminder, and asks before it touches a credit hold. It works in email, Teams, WhatsApp or whatever you already run on, on top of your ERP.
