Frequently Asked Questions

The Q2 2026 Florida judgment interest rate (April 1 – June 30, 2026) is 8.25% per annum, equal to 0.022603% per day. Florida rates are set quarterly by the Chief Financial Officer under §55.03, Florida Statutes, based on the Federal Reserve discount rate plus 400 basis points. Rates have ranged from 4% to 11% since 2017.

For fixed-rate states (CA, NY, IL, etc.): multiply the principal by the annual rate, divide by 365, then multiply by the number of days. For variable-rate states like Florida: split the accrual period at each rate-change date and apply the correct rate to each segment. This calculator handles the split automatically — just enter the judgment date and through date and it produces a fully itemized year-by-year breakdown.

Among fixed-rate states, Massachusetts, Kentucky, Rhode Island, Vermont, and Wisconsin have the highest rates at 12% per annum. Connecticut, Maryland, Hawaii, Montana, and South Dakota are at 10%. Variable-rate states fluctuate — Florida is currently at 8.25%, Georgia at 10.5%, and Nevada at 8.75%. Virginia and Pennsylvania have the lowest fixed rates at 6%.

Judgment interest is the statutory rate that automatically applies to court judgments under state law — it kicks in from the date of the judgment. Contractual interest is the rate your contract specifies (e.g., 18% per year or 1.5% per month) and typically accrues from the date of default, before a judgment is entered. Use the Contractual Interest section on the calculator for contract default claims.

Yes. The PDF export produces a professionally formatted summary and itemized breakdown that can be attached to demand letters, motions for writ of execution, or settlement correspondence. The Excel export includes five worksheets for detailed audit trails. Always verify the current rate and consult a licensed attorney before filing. Outputs are for demonstrative purposes only.

Florida rates are fetched automatically on the 1st of each month directly from the Florida CFO's official rate table. Other states' rates are verified annually from official state government sources and statutory citations. Variable-rate states (Nevada, Michigan, New Jersey, etc.) include a direct link to their official source for independent verification.

Most states use simple interest — interest accrues daily on the original principal only. Florida uses simple interest under §55.03, F.S. A few states use compound interest: Kentucky requires compound interest annually (§ 360.040), and Colorado uses compound interest for contract judgments. This calculator lets you choose either method and shows the difference in results.

Post-judgment interest is interest that accrues on an unsatisfied court judgment from the date the judgment is entered until the date it is paid in full. It is set by state statute and accrues automatically — no additional court order is needed.

Its purpose is to compensate the judgment creditor for the time value of money while the judgment remains unpaid, and to create an incentive for prompt satisfaction of the debt.

Yes — completely free. No registration, no subscription, no paywall. You can calculate interest, generate PDF exports, and download Excel workbooks at no cost. There are no hidden charges.

All 50 U.S. states plus the District of Columbia. Select your state from the dropdown in the calculator, or go directly to a state-specific page — for example:

• judgmentinterestrate.com/florida
• judgmentinterestrate.com/california
• judgmentinterestrate.com/texas
• judgmentinterestrate.com/new-york

State-specific pages pre-load the correct rate and statute citation for that jurisdiction.

JudgmentInterestRate.com is useful for anyone who needs to calculate interest on an unsatisfied judgment, including:

• Attorneys and paralegals computing interest for demand letters and motions
• Pro se litigants enforcing judgments without legal representation
• Judgment buyers and creditors tracking accrued amounts
• Law students and researchers studying post-judgment enforcement
• Accountants and financial professionals calculating damages

Interest is calculated as simple (non-compounding) daily accrual:

• Daily rate = Annual statutory rate ÷ 365
• Daily interest = Principal × Daily rate
• Total interest = Daily interest × Number of days in the accrual period

For variable-rate states like Florida, the period is automatically split at each rate-change boundary. Each segment uses only the rate in effect during that period, and the segment totals are summed for the grand total.

The Florida judgment interest rate for Q2 2026 (April 1 – June 30, 2026) is 8.25% per annum.

Florida rates are set quarterly by the Chief Financial Officer under §55.03, Florida Statutes. The rate equals the average Federal Reserve discount rate plus 400 basis points, rounded to the nearest quarter-percent. Rates are published in the Florida Administrative Register and on the Florida CFO's website.

No. Florida post-judgment interest under §55.03 is simple interest — it does not compound. Interest accrues only on the original principal judgment amount, not on previously accrued interest.

Some states allow compound interest in specific circumstances (for example, when interest on interest is expressly permitted by contract). This calculator applies simple interest unless you are using the contractual interest section and configure compounding manually.

Post-judgment interest is set by state statute and begins accruing automatically on the date a court enters a final judgment. It continues until the judgment is paid in full.

Contractual interest is the rate agreed upon in a contract — a loan, promissory note, lease, or other agreement. It typically accrues from the date of default or breach, before any lawsuit is filed or judgment is entered. Contractual interest is often used to calculate the total damages sought in a demand letter or complaint.

This site includes both: use the main calculator for statutory post-judgment interest, and the Contractual Rate section for pre-judgment contract interest.

For variable-rate states, the calculator automatically segments the accrual period at every rate-change boundary. Each segment runs from one rate change to the next, and the applicable rate for that period is applied only to days within that segment.

For example, if a Florida judgment spans from July 2024 through June 2026, the calculator splits the period across eight quarterly boundaries (Q3 2024 through Q2 2026), applies the correct rate to each segment, and sums the totals. The detailed breakdown is shown in the results panel and included in both the PDF and Excel exports.

After running a calculation, click the Export PDF button in the results panel. The PDF is formatted as a litigation-ready exhibit and includes:

• Case details (judgment amount, judgment date, end date)
• Applicable statute and rate citations
• Year-by-year interest breakdown
• Total interest accrued and total amount due
• Demonstrative purposes disclaimer

The Excel workbook includes five worksheets:

• Summary — total judgment, total interest, total due, and key dates
• Annual Breakdown — interest accrued per calendar year
• Quarterly Breakdown — interest accrued per quarter (for variable-rate states)
• Full Detail — day-by-day accrual for the entire period
• Rate Reference — complete historical rate table for the selected state

Florida rates are checked automatically on the 1st of every month via an API that polls the Florida CFO's official rate page. New quarterly rates are applied to calculations immediately upon publication.

Other states are reviewed and updated manually when statutory changes are enacted. Variable-rate states with annual resets are checked at each reset cycle.

All rates are sourced directly from official state government websites, state statutes, and court administrative publications. For a full breakdown of sources by state, see the Sources table on the About page.

We do not rely on third-party aggregators or law firm publications. Each rate is verified against the primary statutory or administrative source before being added to the calculator.

Please email [email protected] with the state, the rate you believe is incorrect, the correct rate, and a link to the official source. We review all reports promptly and update the calculator as needed.

This tool is intended for demonstrative and reference purposes only. Outputs do not constitute legal advice. Before including any figures in a court filing, motion, demand letter, or legal proceeding, you should:

• Independently verify the rate against the official state government source
• Confirm the judgment date and applicable rate periods with the court's records
• Consult a licensed attorney in the relevant jurisdiction

CVC Intelligence LLC makes no warranty, express or implied, as to the accuracy or completeness of any calculation produced by this tool.

JudgmentInterestRate.com is operated by CVC Intelligence LLC, a Wyoming limited liability company. The tool is maintained as a public resource for the legal community, paralegals, pro se litigants, and legal professionals. For more information, see the About page.

CVC Intelligence LLC · 30 N Gould St #63143, Sheridan, WY 82801, USA
Email: [email protected]

No calculation data you enter (judgment amounts, dates, case details) is stored or transmitted to our servers. All calculations run entirely in your browser. The only server call is to fetch the current Florida interest rate from our API — this request contains no personal or case information.

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