Excel guide · 3 min read

How to calculate due dates and days overdue in Excel

Q: How do I calculate a due date in Excel?

Add the payment terms to the invoice date: =B2+30 or =B2+C2. Use EDATE(B2,1) if the terms are one calendar month.

Q: How do I calculate days overdue in Excel?

Use =MAX(0,TODAY()-due_date). It returns the days past the due date and 0 for invoices not yet due.

Q: How do I calculate a due date excluding weekends?

Use =WORKDAY(start_date,days,holidays). It skips Saturdays, Sundays and any holiday dates in the range you give it.

Q: What is the difference between Net 30 and Net 30 EOM?

Net 30 is due 30 days after the invoice date: =B2+30. Net 30 EOM is due 30 days after the end of the invoice month: =EOMONTH(B2,0)+30, so every invoice from the same month shares one due date.

Quick answerThe due date is the invoice date plus the payment terms: =B2+C2. Days overdue is the as-of date minus the due date, floored at zero: =MAX(0,$G$1-(B2+C2)). Put today's date in one cell (G1 here, or =TODAY() in a live sheet) and point every formula at it.

Sample data

Every result on this page was calculated from this sheet by the same spreadsheet engine the Cellwise app uses.

	A	B	C	D	F	G
1	Invoice	Invoice date	Terms (days)	Amount	As of	Nov 2, 2026
2	INV-1041	Sep 15, 2026	30	1250
3	INV-1042	Oct 1, 2026	30	780
4	INV-1043	Oct 10, 2026	14	2400
5	INV-1044	Oct 20, 2026	30	560
6	INV-1045	Oct 28, 2026	7	1925
7	INV-1046	Nov 1, 2026	30	3100

Due date from payment terms

Each invoice has a date and terms in days (Net 30, Net 14, Net 7). Since a date is a day count, the due date is a simple addition. For a single fixed term you can type the number in the formula.

With a terms column, use =B2+C2 and fill down. If the result shows as a number, format the column as a date.

=B2+30

Result: Oct 15, 2026

Oct 15, 2026: INV-1041 was due 30 days after September 15.

Days overdue (never negative)

Subtract the due date from the as-of date. Invoices not yet due would give a negative number, which reads like a credit, so MAX(0, ...) floors those at zero.

G1 holds the as-of date. In a live tracker you would put =TODAY() in G1 so the whole sheet updates every day; a fixed date is better for month-end reports that must not change.

=MAX(0,$G$1-(B2+C2))

Result: 18

18 days overdue: INV-1041 was due October 15 and the as-of date is November 2.

A status label people can read

Combine the two ideas in IF. Overdue invoices say so; the rest show how long is left. Excel does the arithmetic before it joins text with &, so the parentheses are optional, but they make the formula much easier to read.

=IF($G$1>B5+C5,"Overdue","Due in "&(B5+C5-$G$1)&" days")

Result: Due in 17 days

Due in 17 days: INV-1044 is due November 19.

Aging buckets for an accounts receivable report

Finance teams group overdue invoices by age. IFS (Excel 2019 and later) checks the conditions in order and returns the first match. In older Excel, nest IF functions the same way.

=IFS($G$1<=B4+C4,"Current",$G$1-(B4+C4)<=30,"1-30 days",$G$1-(B4+C4)<=60,"31-60 days",TRUE,"60+ days")

Result: 1-30 days

1-30 days: INV-1043 was due October 24, so it is 9 days late.

Count and total what is overdue

SUMPRODUCT can compare every due date with the as-of date in one go, without a helper column. The first formula counts overdue invoices: =SUMPRODUCT(--($G$1>B2:B7+C2:C7)) returns 3. Multiplying by the amount column totals them instead.

=SUMPRODUCT(($G$1>B2:B7+C2:C7)*D2:D7)

Result: 4430

4,430 is overdue: INV-1041, INV-1042 and INV-1043 (1,250 + 780 + 2,400).

End-of-month and business-day terms

"Net 30 EOM" means 30 days after the end of the invoice month. Find the month end with EOMONTH, then add the terms: =EOMONTH(B2,0)+30.

If a due date must land on a working day, use WORKDAY: =WORKDAY(B2,10) counts 10 business days, skipping weekends and any holidays you list. To count overdue days in business days only, use =NETWORKDAYS(B2+C2+1,$G$1): starting the day after the due date means the due date itself is not counted as late.

Common mistakes

Typing today's date into every formula

Put the as-of date in one cell and reference it with $G$1. You change it once instead of editing dozens of formulas.

Using TODAY() in a report you send out

TODAY recalculates every time the file opens, so last month's report shows different numbers next week. Use a fixed date in the as-of cell, or paste values before sending.

Negative days overdue

Invoices not yet due give a negative difference. Wrap the subtraction in MAX(0, ...) or show a label with IF.

Paid invoices still counted as overdue

Add a Paid date column and test it first: =IF(E2<>"","Paid",...). Exclude paid rows from SUMPRODUCT with an extra condition: *(E2:E7="").

FAQ

How do I calculate a due date in Excel?

Add the payment terms to the invoice date: =B2+30 or =B2+C2. Use EDATE(B2,1) if the terms are one calendar month.

How do I calculate days overdue in Excel?

Use =MAX(0,TODAY()-due_date). It returns the days past the due date and 0 for invoices not yet due.

How do I highlight overdue dates in Excel?

Select the due dates, choose Home > Conditional Formatting > New Rule > Use a formula, enter =B2<TODAY() (adjusted to your first cell) and pick a red fill.

How do I calculate a due date excluding weekends?

Use =WORKDAY(start_date,days,holidays). It skips Saturdays, Sundays and any holiday dates in the range you give it.

What is the difference between Net 30 and Net 30 EOM?

Net 30 is due 30 days after the invoice date: =B2+30. Net 30 EOM is due 30 days after the end of the invoice month: =EOMONTH(B2,0)+30, so every invoice from the same month shares one due date.

Functions used

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Updated November 2, 2026