Payment Terms Cash Flow Calculator
Net 30 doesn’t just delay one invoice — it permanently ties up a slice of your income. See how much.
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- ✓ Private — runs in your browser
Why payment terms matter so much
If you invoice the same amount each month and clients pay after D days, you always have about monthly invoicing × D ÷ 30 waiting to be paid. That's money you've earned but can't use — and it's why freelancers with healthy incomes still run short of cash.
How to shorten the cycle
- Use net 7 or net 14 terms for new clients.
- Take deposits of 30–50% on projects.
- Bill monthly on long projects instead of at the end.
Frequently asked questions
What does net 30 mean?
The invoice is due 30 days after the invoice date. Net 14 means 14 days, and so on.
Can freelancers ask for shorter payment terms?
Yes. Many clients accept net 14 or even payment on receipt from small suppliers, especially if it's in your proposal from the start. Large companies may insist on their standard terms; price that in.
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