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Late payment calculator

Late payment interest is the invoice amount times the annual rate, prorated for the days it is overdue. This calculator shows the interest, any flat fee and the new total.

The overdue invoice

Enter the invoice, the rate in your terms, and how late it is.

Figures are shown in your currency. Switching relabels them — it does not convert.

$

The unpaid balance.

%

From your payment terms or contract.

days

Days past the due date.

$

Any fixed charge your terms allow.

Result

Fill in the fields to see your result.

Formula

Interest = Amount × (Annual rate ÷ 100) × (Days late ÷ 365) Total = Amount + Interest + Flat fee

How it works

Simple interest, prorated daily — not compounded. The rate is one YOU supply from your own terms. This is arithmetic, not legal advice: statutory late-payment entitlements vary by country and contract, so check what applies to you.

Example

5,000 unpaid for 45 days at 8% a year = 5,000 × 0.08 × 45/365 = 49.32 interest, so 5,049.32 is now due.

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