Payment terms determine exactly when an invoice is due and whether an early-payment discount is available - but the rules differ by term type, and manually tracking a dozen invoices on different terms gets error-prone fast. Accountdesq's Payment Terms Calculator supports every common trade credit term - Net 15/30/45/60, 2/10 Net 30 style early-payment discounts, End of Month (EOM), 15th of Next Month (proximo), and fully custom terms - and instantly calculates the discount date, due date, days remaining or overdue, and an estimated late fee for as many invoices as you're tracking at once.
Add each invoice with its date, amount, and payment term (or load sample invoices to see it in action). The tool calculates the exact discount date and amount (if the term includes one), the due date, a visual timeline from invoice date to due date, and a live status - on track, due soon, or overdue with an estimated late fee. A summary at the top totals what's overdue, what's due within 7 days, and how much early-payment discount is still available if you act now. Export the full payment schedule as a PDF or Excel report.
Columns: Label, Invoice Date, Amount, Term (e.g. net30)
Missing a Net 30 due date damages a customer relationship; missing a 2/10 discount window quietly forfeits what's effectively a very high annualized return for paying 20 days earlier. Tracking every open invoice's terms in one place - with dates already calculated - turns a manual date-math exercise into an at-a-glance action list.
It means the customer gets a 2% discount if they pay within 10 days of the invoice date; otherwise the full amount is due in 30 days. It's one of the most common early-payment discount terms in B2B trade.
Disclaimer: Accountdesq provides this Payment Terms Calculator for informational and convenience purposes only. Output is not a substitute for professional accounting, legal, or tax advice. No data entered is transmitted to or stored on our servers - all calculations happen locally in your browser. Accountdesq accepts no liability for errors in generated documents. Always consult a qualified accountant or tax professional for compliance matters.
