Free tool
Calculate NET terms across weekends and banking holidays in both countries. Compare calendar-day and business-day counting, copy a share link, or add the adjusted due date to your calendar.
Adjusted due date
Thursday, September 3, 2026
Due in 30 days
Raw date
Sep 3, 2026
Adjusted by
0 days
Weekends skipped
0
Everything downstream of an invoice depends on which counting convention the contract uses, and the two conventions produce meaningfully different dates.
| Calendar mode | Business mode | |
|---|---|---|
| What NET 30 means | 30 calendar days after the invoice date | 30 open banking days after the invoice date |
| Weekends | Only matter if the raw due date lands on one; it then rolls forward | Skipped on every pass, never counted |
| Bank holidays | Rolled past when they hit the due date, in either country | Skipped during the count, in either country |
| Typical NET 30 outcome | Around a month after the invoice | Roughly six weeks after the invoice, since 30 business days span at least 42 calendar days |
Say a United States business invoices a United Kingdom customer on 4 March 2026 with NET 30 terms in calendar mode. Thirty days later is Friday 3 April 2026, which is Good Friday, a UK bank holiday. The calculator rolls forward: Saturday 4 and Sunday 5 April are weekend days, and Monday 6 April is Easter Monday, another UK closure. The first date both banking calendars are open is Tuesday 7 April 2026, four days after the raw due date. The result panel lists each skipped holiday by name, so you can show a customer precisely why the payable date moved instead of arguing about it.
NET 30 usually means thirty calendar days from the invoice date, then the payable date moves if it lands on a weekend or bank holiday. A Friday invoice can become a Monday cash-flow event before customer delay enters the picture.
Cross-border invoices have two calendars to respect. If the payer's bank is closed, the payee's bank is closed, or both are closed, the practical due date shifts. That matters when payroll, tax, or contractor payouts depend on the money landing on time.
A 2% discount for paying by day 10 can imply a very high annualized return compared with waiting until day 30. The calculator shows the discount deadline, cash saved, and the implied APR so you can decide whether early payment is worth taking.
NET 0, often written as due on receipt, sounds instant but follows the same rules as every other term. If the invoice is dated on a Saturday, a Sunday, or a bank holiday in either country, the practical due date is the next day both banking systems are open. Freelancers who invoice on a Friday evening expecting weekend payment are really setting a Monday or Tuesday due date, and knowing that in advance beats chasing a payment that was never late.
Choosing between the modes comes down to the contract wording. Terms written as "30 days" or "30 calendar days" call for calendar mode. Terms written as "30 business days" or "30 working days" call for business mode, and the gap between the two answers grows with the term length: at NET 90, business-day counting pushes the due date out by well over a month. When the wording is ambiguous, run both modes and use the spread as the range you plan cash flow around.
This calculator counts from the invoice date you enter. Contracts sometimes start the clock at the date of receipt or acceptance instead, so check the wording before promising a payment date.
EOM terms count from the end of the month the invoice was issued. Enter the last day of that month as the invoice date and the calculator produces the correct EOM due date, including any weekend or holiday adjustment.
Money has to leave the payer's bank and arrive at the payee's bank, and each bank follows its own national holiday calendar. The due date only lands on a day when both calendars show an open banking day.
Usually, if the payer has the cash. Keeping 2 percent for paying 20 days early works out to an implied annualized rate of about 37 percent, far above typical borrowing costs. The discount panel shows the deadline, the cash saved, and the exact rate for your amount.
Preset terms run NET 0, 7, 14, 15, 30, 45, 60, 90, and 120. Banking calendars are included for the United States, United Kingdom, Germany, France, Canada, Australia, Japan, India, Brazil, and Singapore.
Yes. The add-to-calendar button downloads an ICS file holding the adjusted due date, which imports into any standard calendar app.