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.
Post-judgment statutory rates, contractual interest, or both side-by-side — with full breakdown and PDF/Excel export.
Enter your details and click Calculate Interest to see a full breakdown.
Supports judgments from 1981 through Q2 2026.
Statutory rates pursuant to §55.03, Florida Statutes. Updated through Q2 2026. Source: Florida CFO
| Effective Date | Annual Rate | Daily Rate (%) | Daily Rate (Decimal) |
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.