Net 30/60/90 Due Date Calculator

What does Net 30 mean?

Net 30 is a standard payment term meaning that the client has exactly 30 calendar days to pay the invoice in full from the date it was issued. The word "Net" refers to the full, total amount of the invoice. It's the most common payment term used in B2B (business-to-business) transactions, including brand deals for content creators and freelancers.

Other common variations include Net 15 (due in 15 days), Net 60 (due in 60 days), and Net 90 (due in 90 days). The longer the net terms, the more you essentially act as a free bank for your client, providing them with short-term credit.

Are weekends included in Net 30?

Yes. Standard Net terms are calculated using calendar days, not business days. If you send an invoice on the 1st of the month with Net 30 terms, it is due on the 31st (or the 30th if the month has 30 days) regardless of weekends and public holidays.

If a due date happens to fall on a Sunday or public holiday, standard business practice usually dictates that the payment should arrive on the next immediate business day. However, the exact due date technically remains the same.

How to enforce your payment terms

• Put it on the invoice. Don't leave your clients guessing. Instead of just writing "Net 30", explicitly write out the calculated due date. E.g., "Terms: Net 30. Due Date: October 15, 2026." Our free invoice generator handles this automatically.
• Add a late fee clause. The best way to get paid on time is to outline consequences for paying late. A standard clause is "1.5% late fee per month on overdue balances."
• Send reminders early. Don't wait until day 31 to follow up on a Net 30 invoice. Send a polite check-in on day 25 to confirm the invoice is scheduled for payment.

Common Net term variations explained

Beyond standard Net 30, 60, and 90 terms, you may encounter a few other conventions in brand deal contracts. Net 7 and Net 14 are common for digital agencies and smaller brands who process payables weekly. 2/10 Net 30 is a discount term — the client gets a 2% discount if they pay within 10 days, otherwise the full amount is due at 30 days. EOM (End of Month) means the invoice is due at the end of the calendar month it was received, regardless of the issue date. MFI (Month Following Invoice) means payment is due at the end of the month after the one in which the invoice was raised. When negotiating with brands, Net 30 is typically the creator-friendly standard — anything beyond Net 60 puts significant cash-flow pressure on independent creators.

Net payment terms: frequently asked questions