Frequently Asked Questions
Net 30 is a payment term that means the invoice is due 30 calendar days from the invoice date. For example, if you send an invoice on January 1, the due date under Net 30 terms would be January 31. The "net" simply refers to the total amount owed — there are no discounts for early payment unless explicitly stated (e.g., "2/10 Net 30" means a 2% discount if paid within 10 days, otherwise full amount due in 30).
To calculate a Net 30 due date manually: take your invoice date and add 30 calendar days. Weekends and public holidays are included — Net 30 counts calendar days, not business days, unless you specify otherwise in your contract. This calculator handles the date arithmetic automatically. Simply enter your invoice date, select Net 30, and click Calculate.
Late payment fees (also called finance charges or penalty interest) are typically calculated as a percentage of the outstanding invoice amount per month. The formula is: Late Fee = Invoice Amount × (Rate / 100). For example, a $5,000 invoice with a 1.5% per month late fee would incur a $75 fee after 30 days overdue. Always include your late fee terms in your invoice and client agreement to make them legally enforceable.
These are the most common B2B payment terms. Net 30 (payment due in 30 days) is the standard for most freelancers and small businesses. Net 60 gives the client 60 days to pay — common in enterprise contracts and manufacturing. Net 90 is 90 days — typically seen in large corporate procurement or international trade. Longer terms benefit buyers but hurt your cash flow. Consider factoring or invoice financing if you regularly work on Net 60+ terms.
Most freelancers benefit from shorter terms: Net 7 or Net 15 for small projects, or payment on receipt (due immediately). Net 30 is widely understood and accepted by small businesses. Avoid Net 60 or Net 90 unless the client requires it — the longer the terms, the more you're essentially lending money interest-free. Consider requiring a 25–50% deposit upfront for large projects, with the balance Net 14 on delivery.
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