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Judgment Interest
Calculator by State

Calculate post-judgment interest for all 50 states, including Florida's quarterly §55.03 rates. Year-by-year breakdown with PDF and Excel export for court filings, demand letters, and negotiations.

50 States covered
Q2 2026 Updated through
8.25% FL current rate
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Calculate Judgment Interest

Post-judgment statutory rates, contractual interest, or both side-by-side — with full breakdown and PDF/Excel export.

Judgment Interest Calculator
All 50 states + D.C. · Updated quarterly
Florida
Select the state whose judgment interest rate applies
Enter the original judgment amount (principal only)
The date interest begins accruing
Last day of interest accrual (inclusive)
Current Statutory Rate
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Auto-updated
Simple interest is the standard for most states
Rates sourced from official state sources. Florida rates are set quarterly by the FL CFO pursuant to §55.03, F.S. and sourced from myfloridacfo.com.

Enter your details and click Calculate Interest to see a full breakdown.

Supports judgments from 1981 through Q2 2026.

Florida Judgment Interest Rates

Statutory rates pursuant to §55.03, Florida Statutes. Updated through Q2 2026. Source: Florida CFO

Effective Date Annual Rate Daily Rate (%) Daily Rate (Decimal)

How This Calculator Works

Florida judgment interest accrues daily under §55.03, Florida Statutes. Each quarter, the Chief Financial Officer publishes a new rate based on the Federal Reserve discount rate plus 400 basis points.

This tool applies each quarterly rate only to the exact days within that quarter — giving you a fully itemized, audit-ready calculation that matches how Florida courts determine interest.

Enter your judgment details The judgment date is day one of accrual. The "calculate through" date is the last day you want included.
We apply each quarterly rate The accrual period is split across every rate change. Each segment uses the exact CFO-published daily rate for that quarter.
Review & export The year → quarter → month tree lets you drill into any period. Export to PDF or Excel for demand letters, motions, or negotiations.
Simple Interest Formula (per segment)
Interest = Principal × Daily Rate × Days in Segment
Repeat for each quarterly segment, then sum — matching the methodology used in Florida courts.

Legal Disclaimer

For demonstrative purposes only. This tool is for informational and reference use only and does not constitute legal advice. Always verify rates with the Florida CFO's official rate table before use in any legal proceeding. Consult a licensed Florida attorney for advice specific to your matter.

Rates sourced from the Florida Department of Financial Services, Division of Accounting and Auditing, pursuant to §55.03, F.S.

PDF Export Court-ready formatted breakdown with full year/quarter/month detail
Excel Export 5 worksheets: Summary, Annual, Quarterly, Full Detail, and Rate Reference
Up-to-Date Rates All CFO-published quarterly rates from 1981 through Q2 2026

How to Calculate Florida Judgment Interest

Florida post-judgment interest accrues from the date of the judgment through the date of satisfaction. Follow these steps to arrive at a court-defensible figure using the statutory quarterly rates published under §55.03, Fla. Stat.

Confirm the Judgment Date

Locate the date stamped on the final judgment or order. Interest begins accruing the day the judgment is entered — not the date of the underlying event or demand.

Find the Applicable Statutory Rate

For Florida, the Florida CFO publishes quarterly rates based on the Federal Reserve discount rate plus 400 basis points. The rate changes each quarter — you must apply each rate only to the days within its effective period.

Calculate Daily Interest Per Segment

Divide the annual rate by 365 to get the daily rate. Multiply: Principal × Daily Rate × Days in Segment. Repeat for each quarterly segment that overlaps your accrual period.

Sum All Segments

Add the interest from every quarterly segment together. Florida uses simple (non-compounding) interest for statutory post-judgment interest — do not compound the running balance.

Document & Export

Export your calculation as a PDF or Excel file. Include the rate source (Florida CFO) and cite §55.03, Fla. Stat. in your demand letter or motion. Attach the rate table as an exhibit.

Florida Judgment Interest Rate — Legal Background

Under §55.03, Florida Statutes, post-judgment interest is calculated at a rate equal to the average rate of interest paid on United States Treasury bills with a 6-month maturity as set by the State Board of Administration, or as calculated by the Florida Chief Financial Officer. The CFO publishes the applicable rate each quarter in the Florida Administrative Register. Judgments entered during a particular quarter accrue interest at the rate in effect for that quarter.

How Florida Courts Apply Post-Judgment Interest

Florida courts apply the judgment interest rate published for the quarter in which the judgment was entered and continue at the then-current quarterly rate for each subsequent quarter. Because the rate changes, a long-running unpaid judgment will accrue at different rates for different segments of the accrual period. This calculator automates that multi-rate segmentation.

Difference Between Pre-Judgment and Post-Judgment Interest

Pre-judgment interest may be awarded as damages for a liquidated claim from the date the debt became due. Post-judgment interest is a statutory entitlement that begins on the date of judgment and continues until the judgment is satisfied. Florida §55.03 governs post-judgment interest; pre-judgment interest is governed by §687.01 (legal rate) or the contract rate, if any.

Using This Calculator for Demand Letters and Settlement Negotiations

Attorneys and self-represented litigants use this calculator to quantify the running interest balance on an unsatisfied judgment for purposes of settlement offers, payment plans, and satisfaction-of-judgment filings. The exported PDF is formatted for attachment as an exhibit to motions for contempt, writs of garnishment, or final accounting.

Judgment Interest Rates by State — Overview

Every U.S. state sets its own statutory post-judgment interest rate by statute or court rule. Rates range from a fixed 4% (some states) to double-digit rates in others. Variable-rate states like Florida, New Jersey, and Alaska reset annually or quarterly. Fixed-rate states like Texas (5%), Georgia (varies by court), and California (10% for non-federal judgments) apply a single rate for the life of the judgment. Use the state dropdown above to switch to any state's calculation.

  • Florida — Quarterly variable rate per §55.03 (Q2 2026: 8.25%)
  • California — Fixed 10% per annum; Code Civ. Proc. §685.010
  • Texas — Fixed 5% per Finance Code §304.003 (post-2004 judgments under $100K)
  • New York — Fixed 9% per CPLR §5004 (though pending legislation may lower this)
  • New Jersey — Variable, tied to State of NJ Judgment Index; currently ~7.5%
  • Georgia — Prime + 3% annually per O.C.G.A. §7-4-12 (2026: ~10.5%)
  • Illinois — Fixed 9% per 735 ILCS 5/2-1303
  • Nevada — Variable, Prime + 2% per NRS 17.130 (set annually)
  • Massachusetts — Fixed 12% per M.G.L. c. 235, §8
  • Virginia — Fixed 6% per Va. Code §6.2-302