Late Payment Interest Calculator

Work out how much interest an overdue invoice has accrued, and what the new total should be.

The overdue invoice
Has it been paid?
Interest rate

This calculator only does the math on the rate you enter here. It never suggests or looks up a rate for you.

Days late0
    Interest accrued-
    New total due-

    This invoice isn't overdue yet, so no interest applies.

    How this calculator works

    Everything runs in this browser tab: the amount, dates, and rate you enter are never sent anywhere. This tool only does arithmetic on the rate you choose. It never picks a rate for you or gives tax or legal advice.

    Related tools

    Next step

    Take it further, in a spreadsheet

    These tools run in your browser and keep nothing. When you'd rather have the same thing as a file you own, there are two spreadsheets, depending on how much you want to track.

    Start here: one invoice

    The Free Invoice Template builds one invoice in Excel or Sheets: fill in your details once, get a print-ready invoice with its own totals. No macros, one email address.

    Get the free template →

    When there's more than one invoice to track

    The Small Business Finance Kit is one Excel workbook that tracks every invoice, flags who's overdue, logs expenses, and calculates your profit automatically. Seven tabs, one file, no subscription.

    Get the Small Business Finance Kit →