Invoice due date guide
Net 45 due date business days
Net 45 due date business days can follow calendar or business rules depending on the contract. This guide explains Net 45 in plain English, shows how to exclude weekends and holidays when required, and offers a quick invoice due date calculator workflow for accounts payable and accounts receivable teams.
Published: December 28, 2025 · Updated: December 28, 2025 · By FinToolSuite Editorial
Disclaimer
- Educational purposes only; not legal, tax, or accounting advice.
- Examples are illustrative and simplified.
- Results depend on your inputs and assumptions and are not guaranteed.
- See the Privacy Policy; do not share personal financial data.
Quick answer: net 45 due date business days
- Net 45 usually means payment is due 45 days after the invoice date, but the wording matters.
- Holiday periods can move the effective due date if you count business days.
- Use custom holidays for company closures or regional observances.
What Net 45 means (and what it does not guarantee)
Net 45 states when payment is expected: typically 45 days after the invoice date. Some agreements treat “days” as calendar days. Others specify business days or define weekends and holidays separately. Always check the contract or invoice wording before you calculate, send reminders, or book cash flow.
Why holidays matter more for Net 45
A 45-day window is more likely to cross bank holidays, year-end breaks, Easter clusters, or company shutdowns. If you exclude weekends and holidays, the due date can land days later than the calendar count. Checking the correct holiday preset and adding custom closures keeps expectations aligned.
Worked examples
Example A: Calendar vs business days
Inputs: invoice date Tuesday, add 45 calendar days → due on a Thursday; add 45 business days → due the following Monday.
Example B: Before a holiday period
Inputs: invoice date ahead of a holiday stretch, add 45 business days with holiday preset on → due date shifts past the skipped holidays.
Example C: Reminder schedule
Inputs: take the business day due date, subtract 5 business days with the same weekend and holiday settings → reminder date to chase.
When to add custom exclusions
- Company shutdown week or year-end closure.
- Regional bank closures not in presets.
- Inventory count or audit days.
- Local public holidays missing from the preset.
- Project-wide “no processing” days.
- Sector-specific non-working days.
- See the custom holidays guide for steps.
Mini checklist for AP and AR teams
- Confirm whether “days” means calendar or business in your agreement.
- Confirm invoice date vs receipt date rules in your process.
- Choose the right weekend pattern.
- Select country holiday preset and the correct year.
- Add company closures and regional holidays as needed.
- Decide inclusive vs exclusive counting for reminders.
- Note any cutoff time rules used by your team.
- Save the scenario and share assumptions with stakeholders.
How to compute Net 45 scenarios in the tool
- Enter the invoice date as start date.
- Choose add and set 45.
- Select your weekend pattern.
- Select holiday preset and year.
- Add custom holidays if needed.
- Run the calculation and save the result.
FAQ
Is Net 45 business days or calendar days?
It depends on the contract. Check the wording before counting.
How do I calculate Net 45 due date?
Start from the invoice date, set 45, pick weekend and holiday rules, then run the calculator.
Do weekends and holidays count?
Only if your terms say calendar days. Business day terms exclude weekends and listed holidays.
When should I add custom holidays?
When presets miss local or company closures that affect your schedule.
What is the difference between Net 45 and 45 business days?
Forty-five business days skip weekends and holidays, so the span is usually longer than 45 calendar days.
How do I set reminders before the due date?
Subtract the desired number of business days from the due date using the same settings.
Can two customers use different holiday calendars?
Yes. Choose the calendar for each customer and add custom closures if needed.
Is this legal, tax, or accounting advice?
No. This page is educational. Confirm specifics with your advisor.