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Payment Deadline Calculator
Pick the invoice date and the payment terms, see when the money is actually due. Built for construction GCs and subs running Net 30, 45, 60 cycles.
Use the date the invoice or pay application was issued, not the date you received it.
Pick the term in your contract. Most state prompt-payment statutes default to Net 30 for private work if the contract is silent.
Payment deadline
30 days remainingInvoice date
Sat, May 23, 2026
Payment due
Mon, Jun 22, 2026
Net 30 from invoice date
Math runs in your browser. The deadline above reflects the contract terms you entered, not the state prompt-payment statute. State law sometimes overrides the contract — see the reference table below.
How payment terms work in construction
Every construction invoice carries a payment deadline. Net 30 is the most common. It means the paying party has 30 calendar days from the invoice date to release the money. Net 45, Net 60, and Net 90 stretch the same idea. Net 7 and Net 14 show up on short-term subcontracts or supplier deliveries where the credit risk is smaller.
Two clocks run side by side. The first is the contract clock — the terms you signed up for. The second is the state prompt-payment statute. The statute kicks in when the contract is silent, or when the contract pushes payment further than the state allows. Most states default to a 30-day window for private work and 7 to 30 days for public work, with interest accruing once the deadline passes.
Once a payment goes past due, the calculus shifts. State law usually lets you bill interest, file a mechanic's lien notice on a separate clock, and stop work in some cases. The calculator above tells you which side of the deadline you are on so you can act before the lien window closes.
State prompt-payment defaults
A quick reference for the five highest-traffic states on LienDone. Each one's statute page has the full citation and the lien-filing deadlines that follow.
| State | Default terms | Details |
|---|---|---|
| California | Net 30 (private, statute default) | Civ. Code §3260 — 7 days after retention is released for subs. |
| Texas | Net 30 (private, statute default) | Property Code §28.002 — owner to contractor: 35 days; contractor to sub: 7 days after receipt. |
| Florida | Net 30 (private, statute default) | Local Government Prompt Payment Act — 25 days on most public projects. |
| New York | Net 30 (private, statute default) | State Finance Law §139-f — 30 days after acceptance of work on public contracts. |
| Arizona | Net 30 (private, statute default) | A.R.S. §32-1129.01 — 7 days for contractor to pay sub after contractor receives payment. |
The notes above are summaries. The exact deadline depends on the tier in the payment chain and whether the project is public or private. Click a state name for the full guide.
When a missed deadline turns into a lien
A single late payment is annoying. A second one in a row is a signal. Most state lien statutes give you a finite window from the last day of labor or material delivery — often 60, 90, or 120 days — to file a mechanic's lien. Burning months on friendly reminders eats that window.
The cleanest pattern: send the demand the day after the deadline passes, with the statute citation in the subject line. If nothing changes within two weeks, get the preliminary notice or lien filing started. The lien-waiver-before-payment trap works in reverse here — never release lien rights for a payment that has not cleared.
Common questions
What does Net 30 actually mean?
Net 30 means the payment is due 30 calendar days after the invoice date. Net 14, Net 45, Net 60, Net 75, and Net 90 follow the same pattern. The clock starts on the invoice date, not the date the paying party received the invoice, unless the contract says otherwise.
What if my contract is silent on payment terms?
Most state prompt-payment statutes set a default of around 30 days for private work and 7 to 30 days for public work. The exact number varies by state and by tier in the payment chain (owner to GC, GC to sub, sub to supplier). California Civil Code §8800 and §3260, Texas Property Code §28.002, and similar statutes in other states fill the gap when the contract does not specify terms.
Can I charge interest on a late payment?
Yes, in most states. Statutory rates range from 0.75% to 2% per month, depending on the state and whether the project is public or private. Some states also allow recovery of attorneys' fees and a finance charge on top of interest. The exact rate and triggers are written into your state's prompt-payment statute.
Do prompt-payment laws apply to retainage too?
Yes, in many states, with their own separate deadline. Retainage release is typically due within 30 to 60 days of substantial completion or punch-list signoff, depending on the state and project type. The retainage clock is separate from the per-pay-app clock.
What's the next step if the payment is past due?
Send a written demand citing the contract terms and the relevant state prompt-payment statute. If the payment is more than 30 days late, start preparing your mechanic's lien notice or stop-payment-notice paperwork — the deadlines for those run on a separate clock that started when you first delivered labor or materials.
Does this calculator account for weekends or holidays?
No. It returns the calendar-day deadline without skipping weekends or holidays. Most state prompt-payment statutes also count calendar days, but a handful of contracts and statutes count business days. Read your contract first.
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