Payment Terms Calculator (2/10 Net 30)
Discount cutoff + net due date for early-payment terms.
These calculators are for informational purposes only and do not constitute legal, financial, or professional advice.
How the Payment Terms Calculator (2/10 Net 30) works
The Payment Terms Calculator turns an early-payment term like "2/10 Net 30" into the two dates it actually contains: the day the discount window closes and the day the net balance is due. It takes your start date, discount percentage, discount window and net term, and returns both dates at once — plus what the discount costs in dollars, since a 2% discount is $20 given up on every $1,000 invoiced. Both windows are counted in calendar days, not business days, and both are measured from the same day-zero anchor, so moving the anchor moves both deadlines together.
Reading the notation is the first step. In "2/10 Net 30," the 2 is the discount percentage, the 10 is the number of days to earn it, and Net 30 is when the full balance is due if the discount is skipped. The discount and net dates are both measured from the invoice date (or the date of receipt or delivery, if that is what the terms specify), which is why pinning down the start date in the terms matters as much as the numbers themselves — a discount window that starts on the wrong day closes on the wrong day.
The calculator is built to be read from either side of the invoice. A buyer uses it to see whether taking the discount beats holding cash to the net date; a supplier uses it to price what offering the discount costs and to enforce the discount date so a customer cannot take the 2% while paying late. Seeing both dates and the dollar figure side by side is what turns "2/10 Net 30" from a habit into a decision.
Worked example
Invoice $10,000 on Tuesday, 3 March 2026 with 2/10 Net 30 terms. The discount window closes on Friday, 13 March, and the net balance is due Thursday, 2 April. If the customer pays by the 13th they remit $9,800, giving up $200 to be paid 20 days ahead of the net date. Forgoing a 2% discount to hold cash those extra 20 days annualises to roughly 36%, which is why taking the discount is almost always right for the buyer — and why offering it is a real cost the supplier should weigh against what early cash is genuinely worth.
Frequently asked questions
Are the discount and net windows counted in calendar or business days?
Calendar days. A 10-day discount window includes any weekends that fall inside it, so an invoice dated on a Thursday can see its discount window close on a Sunday. Both the discount date and the net due date are plain calendar-day counts from the start date, which is why the calculator returns exact dates rather than leaving you to count around weekends.
What does "2/10 Net 30" cost the supplier?
The 2% is real margin given away to pull cash forward. Forgoing 2% to be paid 20 days sooner works out to roughly 36% annualised, so offering the discount only pays if early cash — or the reduced risk of a receivable aging into a write-off — is worth more than that to your business. The calculator shows the dollar cost per invoice so the trade is explicit.
Which start date should I use?
Whichever your terms specify — most commonly the invoice date, but sometimes the date of receipt or of delivery or completion. Both the discount window and the net due date are measured from that same anchor, so the two parties should agree on it up front; an invoice dated the 1st but received on the 6th quietly turns a 10-day discount window into a 5-day one.