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For companies

Overdue interest calculator

Late payment interest calculator: simple interest by days on an overdue amount. Enter the amount, the yearly rate that applies to you and the first and last day of interest. No statutory rate is built in. Free and online, exact to the cent.

How to calculate late payment interest

  1. 1Enter the amount owed and the yearly interest rate
  2. 2Set the first and the last day of interest
  3. 3Pick the day count and read the interest
  4. The interest, the days counted and the total owed

What you get

  • Worked out on your device.The numbers you type are processed on your device, not uploaded
  • You fill in the rate.No country's statutory rate is built in, so the tool is not wrong for yours
  • The day count is stated.Actual days over 365 by default, with 360 and the real year length as options

What you can do

  • Work out simple interest on an overdue invoice from one date to another, with both days counted
  • Choose the day count: actual days over 365, over 360, or over the days of each calendar year, with 366 in a leap year
  • Add a fixed compensation amount on top, if one applies to you
  • See the days counted, the interest per day and the total owed
  • Copy each result with one click, and switch between Euro, US dollar, Pound and Swiss franc

Good to know

  • The interest rate field starts empty on purpose. Statutory rates differ by country and change over time: fill in the rate from your contract or from the law that applies to you
  • Interest is amount times rate times days, divided by the days in a year. It is rounded to cents once, half a cent up
  • It is simple interest with one rate for the whole period. Rules that add interest to the amount after each year, or rates that change during the period, are not worked out here
  • The first and the last day of interest are both counted. Not legal advice

Questions

How is late payment interest calculated?

Multiply the amount owed by the yearly rate and by the number of days late, then divide by 365. 1,000 at 8 % for 30 days is 6.58.

Which interest rate should I use?

The rate in your contract or terms, or the statutory rate of your country for the period. The tool does not fill one in, so check the current rate at an official source.

Does the calculator use 365 or 360 days?

365 by default. You can change the day count to 360, or to the real length of each year, which is 366 in a leap year.

Are my numbers sent to a server?

No. The numbers are processed on your device, not uploaded.

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