DueDateWhat 2/10 Net 30 means
"2/10 Net 30" offers the buyer a 2% discount if the invoice is paid within 10 days of the invoice date. Otherwise the full amount is due within 30 days. Both periods are normally calendar days. Other combinations follow the same pattern: 1/10 Net 30 is a 1% discount for paying within 10 days, and 2/10 EOM counts from the end of the month (see EOM terms).
Worked example (United States holidays)
An invoice for $10,000 dated Tuesday, December 1, 2026 on 2/10 Net 30:
- Discount deadline: Friday, December 11, 2026. Paying $9,800 by then captures the $200 discount.
- Net due date: Thursday, December 31, 2026, for the full $10,000. Christmas Day falls inside the period but does not move a calendar-day term.
If a deadline lands on a weekend or holiday, the calculator moves it to the next business day by default. Contracts sometimes say the discount must be received by the deadline, so allow time for the payment to settle.
Is taking the discount worth it?
Skipping a 2/10 Net 30 discount means paying 2% more to keep your cash for 20 extra days. As an annual rate that is about 2/98 × 365/20 ≈ 37%. That is far above most borrowing costs, which is why accounts payable teams usually try to capture these discounts, and why missing the discount date by one day is expensive. The formula for any term is: discount ÷ (100 − discount) × 365 ÷ (net days − discount days).
Tracking discount dates at scale
A payment run with hundreds of invoices on different terms is where mistakes happen. The DueDate API returns the discount date and net due date for each invoice, and a batch endpoint accepts a CSV file. See also the Net 30 calculator and the business days calculator.
The same calculation is available as a JSON API, so you can run it inside an accounting, ERP or workflow system. Get a free API key (1,000 requests a month) or read the OpenAPI spec.
Holiday data comes from an open-source dataset and may be incomplete, especially for regional, ad-hoc or newly declared holidays. Check legally or financially critical deadlines against an official source.
Frequently asked questions
What does 2/10 Net 30 mean?
A 2% discount if paid within 10 days of the invoice date; otherwise the full amount is due in 30 days.
How do I calculate the 2/10 discount deadline?
Add 10 calendar days to the invoice date. For an invoice dated December 1, 2026 the discount deadline is December 11, 2026.
What is the annual cost of not taking a 2/10 Net 30 discount?
About 37%: 2/98 × 365/20. It is the implied interest rate for paying 20 days later.
Does the calculator handle other discount terms?
Yes, any X/Y Net N term such as 1/10 Net 30 or 2/15 Net 45, and EOM discount terms such as 2/10 EOM.