What is post-judgment interest?

Interest the law adds to a money judgment from the day it is entered until it is paid, at a rate set by statute or by the contract the judgment enforces.

When does post-judgment interest start to accrue?

In most states and in federal court, on the day the judgment is entered. There are exceptions: Connecticut negligence judgments start 20 days after judgment, and Michigan counts from the day the complaint was filed.

Is judgment interest simple or compound?

Simple in most states. Federal judgments compound once a year, and so do Colorado and Michigan judgments.

What is the federal post-judgment interest rate?

4.44% for judgments entered from 2 to 8 November 2026, the average 1-year Treasury yield for the week ending 30 October 2026. It changes every week.

What is the current Florida judgment interest rate?

7.87% a year for judgments entered from 1 October to 31 December 2026, as set by the Chief Financial Officer under section 55.03.

What is the Texas post-judgment interest rate?

7.00% for judgments signed in November 2026. It is the prime rate, never below 5% or above 15%, set each month by the Consumer Credit Commissioner.

What is the New York judgment interest rate?

9% a year under CPLR 5004, except 2% on consumer debt judgments against a natural person.

How do I calculate daily interest on a judgment?

Multiply the judgment by the annual rate and divide by 365. A $50,000 judgment at 9% earns $12.33 a day.

Does interest run on costs and attorney fees?

Usually, once they are part of the money judgment. Texas and Missouri say so in the statute; check your own state's wording.

Built by Unison Labs

Judgment interest calculator

Enter the judgment, the rate and the dates to get the interest, the interest per day and the total due. Pick a state or the federal courts and the current rate fills in.

Interest on a judgment

Amount ($)Rate (%)

Judgment date

Paid on

Court

Interest

Interest for 364 days

$3,924.22

Per day$10.78

Judgment plus interest$53,924.22

Florida: 7.87%, Fla. Stat. 55.03. Source: Florida CFO memo of 4 September 2026: 7.87% for 1 October to 31 December 2026 (as of 9 November 2026). Interest is counted on a 365-day year. Not legal advice: confirm the rate in the judgment.

Judgment interest rates by state

The post-judgment rate for every state, DC and the federal courts, how each is set and the statute behind it. Choose a name to put it in the calculator.

Find a state

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Post-judgment interest rate by state
Jurisdiction	Rate	Compounding	Statute
Weekly average 1-year constant maturity Treasury yield for the calendar week before the judgment. Fixed at entry, computed daily, compounded annually.This rate applies to judgments entered 2 to 8 November 2026. Each week has its own rate.Federal courts guide28 U.S.C. 1961	4.44%	Compounded yearly	28 U.S.C. 1961Federal Reserve H.15, week ending 30 October 2026 (data of 6 November 2026); method per uscourts.gov
A fixed statutory rate for judgments not based on a contract; contract judgments carry the contract rate.Ala. Code 8-8-10	Check the statute	Simple	Ala. Code 8-8-10Official text not reached
3 points above the 12th District Federal Reserve discount rate on 2 January of the year of judgment. Fixed for the life of the judgment.AS 09.30.070	6.75%	Simple	AS 09.30.070Formula: discount rate 3.75% on 2 January 2026 (H.15) plus 3
The lesser of 10% or prime plus 1%, on the date of judgment. Fixed at entry; the judgment must state it.A.R.S. 44-1201(B)	8%	Simple	A.R.S. 44-1201(B)Formula: prime 7.00% (H.15, 5 November 2026) plus 1; statute at azleg.gov
Set by statute, capped by Amendment 89 of the Arkansas Constitution.Ark. Code 16-65-114	Check the statute	Simple	Ark. Code 16-65-114Official text not reached
10% a year on the unpaid principal. 7% against a state or local public entity.5% for a natural person on medical-expense judgments under $200,000 or personal-debt judgments under $50,000, entered or renewed from 1 January 2023.California guideCal. Code Civ. Proc. 685.010	10%	Simple	Cal. Code Civ. Proc. 685.010Statute at leginfo.legislature.ca.gov; courts.ca.gov self-help
8% compounded annually from entry. Appealed judgments carry a market rate certified each January by the Secretary of State.C.R.S. 5-12-102(4), 5-12-106	8%	Compounded yearly	C.R.S. 5-12-102(4), 5-12-106Colorado Secretary of State interest rate certificate (coloradosos.gov)
Up to 10% at the court's discretion; 10% in negligence actions, from 20 days after judgment or 90 days after the verdict.Conn. Gen. Stat. 37-3a, 37-3b	10%	Simple	Conn. Gen. Stat. 37-3a, 37-3bStatute at cga.ct.gov
5% over the Federal Reserve discount rate when interest becomes due, or the contract rate if lower.6 Del. C. 2301(a)	9%	Simple	6 Del. C. 2301(a)Formula: discount rate 4.00% (H.15, from 17 September 2026) plus 5; statute at delcode.delaware.gov
70% of the IRS underpayment rate, rounded to the nearest whole percent. At most 4% against the District.D.C. Code 28-3302	Check the statute	Simple	D.C. Code 28-3302Statute at code.dccouncil.gov; current rate not read
Set by the Chief Financial Officer each quarter. The rate in force at judgment applies, and is adjusted each 1 January while the judgment is unpaid.Florida guideFla. Stat. 55.03	7.87%	Simple	Fla. Stat. 55.03Florida CFO memo of 4 September 2026: 7.87% for 1 October to 31 December 2026
Prime rate on the day of judgment plus 3%.O.C.G.A. 7-4-12	10%	Simple	O.C.G.A. 7-4-12Formula: prime 7.00% (H.15) plus 3; rule as stated at consumered.georgia.gov
A fixed statutory rate on civil judgments.Haw. Rev. Stat. 478-3	Check the statute	Simple	Haw. Rev. Stat. 478-3Official text not reached
5% plus a base rate set by the State Treasurer each 1 July from the 1-year Treasury yield.Idaho Code 28-22-104(2)	Check the statute	Simple	Idaho Code 28-22-104(2)sto.idaho.gov lists 9.125% for 1 July 2025 to 30 June 2026; the rate from 1 July 2026 was not read
9% a year from the date of judgment on the unpaid part. 6% against a unit of local government or school district.Illinois guide735 ILCS 5/2-1303	9%	Simple	735 ILCS 5/2-1303Statute at ilga.gov
A statutory rate from the verdict, unless the parties agreed a lower rate.Ind. Code 24-4.6-1-101	Check the statute	Simple	Ind. Code 24-4.6-1-101Official text not reached
The 1-year Treasury constant maturity index plus 2%, as of the date of judgment, unless a contract fixes the rate.Iowa Code 668.13, 535.3	6.47%	Simple	Iowa Code 668.13, 535.3Iowa Judicial Branch table: index 4.47% posted 7 October 2026, plus 2
4 points above the Federal Reserve discount rate on 1 July. Changes every 1 July for old and new judgments alike.K.S.A. 16-204(e)	7.75%	Simple	K.S.A. 16-204(e)Formula: discount rate 3.75% on 1 July 2026 (H.15) plus 4; statute at ksrevisor.gov
A statutory rate compounded annually, which the court may lower.KRS 360.040	Check the statute	Compounded yearly	KRS 360.040Official text not reached
Set each calendar year at 3.25 points above the discount rate. Changes every 1 January for all judgments.La. R.S. 13:4202	7.5%	Simple	La. R.S. 13:4202Commissioner of Financial Institutions, Louisiana Register of 20 December 2025: 7.50% for 2026
The weekly average 1-year Treasury yield for the last full week of the prior year, plus 6%. Contract judgments: the contract rate if higher.14 M.R.S. 1602-C	9.51%	Simple	14 M.R.S. 1602-CFormula: 3.51% for the week ending 26 December 2025 (H.15) plus 6; statute at legislature.maine.gov
10% a year on the amount of the judgment.6% on money judgments for rent of residential premises.Md. Code, Cts. & Jud. Proc. 11-107	10%	Simple	Md. Code, Cts. & Jud. Proc. 11-107Statute at mgaleg.maryland.gov
From entry at the rate used for prejudgment interest, which is 12% in tort and in contract cases without a contract rate.M.G.L. c. 235, s. 8; c. 231, ss. 6B, 6C	12%	Simple	M.G.L. c. 235, s. 8; c. 231, ss. 6B, 6CStatutes at malegislature.gov
1% plus the average 5-year Treasury note auction yield, certified for each half-year. Runs from the filing of the complaint, recalculated every six months, compounded annually.Michigan guideMCL 600.6013(8)	4.959%	Compounded yearly	MCL 600.6013(8)Michigan Department of Treasury: 3.959% certified for 1 July 2026, plus 1
Set each December by the State Court Administrator from the 1-year Treasury yield, at least 4%.10% on judgments over $50,000, except judgments for or against the state and family court judgments.Minn. Stat. 549.09(c)	4%	Simple	Minn. Stat. 549.09(c)Minnesota Court Rules: 4% for 2026
The contract rate, or a rate set by the judge.Miss. Code 75-17-7	Check the statute	Simple	Miss. Code 75-17-7Official text not reached
9% in non-tort actions, or the contract rate if higher. Tort judgments carry the intended federal funds rate plus 5%.Mo. Rev. Stat. 408.040	9%	Simple	Mo. Rev. Stat. 408.040Statute at revisor.mo.gov
Prime rate plus 3%, as published each year.Mont. Code 25-9-205	Check the statute	Simple	Mont. Code 25-9-205Official text not reached
2 points above the bond equivalent yield of the last 26-week Treasury bill auction before judgment.Neb. Rev. Stat. 45-103	6.441%	Simple	Neb. Rev. Stat. 45-103Nebraska Supreme Court: 6.441% effective 15 October 2026
Prime rate at the largest Nevada bank on 1 January or 1 July, plus 2%, adjusted every six months.Nev. Rev. Stat. 17.130	Check the statute	Simple	Nev. Rev. Stat. 17.130Official text not reached
Set each year by the State Treasurer from the 52-week Treasury bill yield.N.H. Rev. Stat. 336:1	Check the statute	Simple	N.H. Rev. Stat. 336:1Official text not reached
Set each calendar year from the State Cash Management Fund return; 2% more on judgments above the Special Civil Part limit.6.5% for 2026 on judgments above the Special Civil Part limit ($20,000).New Jersey guideN.J. Court Rule 4:42-11(a)	4.5%	Simple	N.J. Court Rule 4:42-11(a)New Jersey Courts notice: 4.5% for 2026
A statutory rate, with different rates for some tort judgments.N.M. Stat. 56-8-4	Check the statute	Simple	N.M. Stat. 56-8-4Official text not reached
9% a year from entry of the judgment until payment.2% on consumer debt judgments against a natural person, from 30 April 2022.New York guideN.Y. CPLR 5004, 5003	9%	Simple	N.Y. CPLR 5004, 5003Statute at nysenate.gov
The legal rate of 8% a year, or the contract rate in contract cases where the contract provides it.North Carolina guideN.C. Gen. Stat. 24-1, 24-5	8%	Simple	N.C. Gen. Stat. 24-1, 24-5Statutes at ncleg.gov
Prime rate plus 3%, set each December by the State Court Administrator.N.D. Cent. Code 28-20-34	Check the statute	Simple	N.D. Cent. Code 28-20-34Official text not reached
The rate the Tax Commissioner certifies each year (federal short-term rate plus 3%), fixed at judgment.Ohio Rev. Code 1343.03, 5703.47	Check the statute	Simple	Ohio Rev. Code 1343.03, 5703.47tax.ohio.gov lists two 2026 figures; the one for judgments was not confirmed
Prime rate in the first Wall Street Journal of the year plus 2%, certified each year. Changes every 1 January.12 O.S. 727.1	Check the statute	Simple	12 O.S. 727.1The 2026 notice on oscn.net was not read
9% a year from entry, or the contract rate if higher.Or. Rev. Stat. 82.010	9%	Simple	Or. Rev. Stat. 82.010Statute at oregonlegislature.gov (2025 edition)
The legal rate of 6% a year, from the verdict or award.42 Pa.C.S. 8101; 41 P.S. 202	6%	Simple	42 Pa.C.S. 8101; 41 P.S. 202Statutes at palegis.us
A fixed statutory rate added to the judgment.R.I. Gen. Laws 9-21-10	Check the statute	Simple	R.I. Gen. Laws 9-21-10Official text not reached
Prime rate plus 4%, set each 1 January.S.C. Code 34-31-20(B)	Check the statute	Simple	S.C. Code 34-31-20(B)Official text not reached
A statutory category rate.S.D. Codified Laws 54-3-5.1, 54-3-16	Check the statute	Simple	S.D. Codified Laws 54-3-5.1, 54-3-16Official text not reached
2 points below the formula rate published every six months. Fixed at entry.Tenn. Code 47-14-121	Check the statute	Simple	Tenn. Code 47-14-121tncourts.gov lists 8.75% from 1 January 2026; the rate from 1 July 2026 was not listed
The prime rate, at least 5% and at most 15%, set on the 15th of each month for judgments of the next month. Contract judgments: the contract rate up to 18%.Texas guideTex. Fin. Code 304.002, 304.003	7%	Simple	Tex. Fin. Code 304.002, 304.003Office of Consumer Credit Commissioner: 7.00% for November 2026
The federal post-judgment rate on 1 January plus 2%. Fixed at entry.Judgments under $10,000 for goods or services: the 1 January federal rate plus 10% (13.51% for 2026).Utah Code 15-1-4	5.51%	Simple	Utah Code 15-1-4Utah State Courts: 5.51% for 2026
A fixed statutory rate.9 V.S.A. 41a	Check the statute	Simple	9 V.S.A. 41aOfficial text not reached
6% a year, or the contract rate if higher. Fixed at entry.Va. Code 6.2-302	6%	Simple	Va. Code 6.2-302Statute at law.lis.virginia.gov
Most judgments: the maximum rate under RCW 19.52.020 on the date of entry. Consumer debt 9%; tort and student loan judgments have their own rates.RCW 4.56.110	Check the statute	Simple	RCW 4.56.110Statute at app.leg.wa.gov; the current maximum rate was not read
Prime rate plus 3%, at least 4% and at most 9%, set each year.W. Va. Code 56-6-31	Check the statute	Simple	W. Va. Code 56-6-31Official text not reached
Prime rate on 1 January or 1 July plus 1%, by the half-year of entry.Wis. Stat. 815.05(8)	7.75%	Simple	Wis. Stat. 815.05(8)Wisconsin Courts: 7.75% for 1 July to 31 December 2026
A fixed statutory rate, or the contract rate.Wyo. Stat. 1-16-102	Check the statute	Simple	Wyo. Stat. 1-16-102Official text not reached

Rates for judgments entered on 9 November 2026. Formula figures are worked out from the statute and the Federal Reserve H.15 release; "Check the statute" means we could not confirm the current figure from an official source.

How to calculate interest on a judgment

Multiply the unpaid judgment by the annual rate, divide by 365 and multiply by the days from entry to payment. A $50,000 New York judgment at 9%, paid 200 days after entry, carries $2,465.75 of interest, or $12.33 a day.

Use the rate in the judgment itself if it states one. Arizona, Maine and Virginia require or fix the rate at entry, so a later change in the statutory figure does not touch it. A contract that sets its own rate usually displaces the statutory rate, within the state's cap.

Simple or compounded yearly

Most states use simple interest: the rate is applied to the original judgment for every day it is unpaid. Federal judgments compound annually under 28 U.S.C. 1961(b), as do Colorado judgments at 8% and Michigan judgments.

The difference grows with time. On a $100,000 federal judgment at 4.44%, two years of simple interest is $8,880.00; compounded yearly it is $9,077.14, because the second year runs on $104,440. Choose the method the jurisdiction uses before you put a payoff figure in a letter.

Rates that stay and rates that move

Some rates are fixed on the day of judgment and never change: federal, Arizona, Texas, Utah and Virginia among them. Others move while the judgment is unpaid. Kansas resets every 1 July for old and new judgments alike, Louisiana and Oklahoma every 1 January, and Florida adjusts each 1 January.

The common mistake is applying today's rate to an old judgment in a fixed-rate state, or one rate to a whole period in a floating one. For a floating rate, work out each period at its own rate and add them up.

Prejudgment interest

Prejudgment interest covers the time before judgment and has its own rules. In Texas it runs at the post-judgment rate from the earlier of 180 days after the defendant received written notice of the claim or the day suit was filed, to the day before judgment, and it is simple. Illinois allows 6% in personal injury and wrongful death actions.

To estimate it here, enter the day prejudgment interest starts as the judgment date and the judgment date as the payment date. Once awarded, prejudgment interest becomes part of the judgment and earns post-judgment interest with the rest.

Partial payments and the payoff figure

A payment is normally applied to accrued interest first and then to the principal. Missouri puts it in its statute: post-judgment costs, then post-judgment interest, then the judgment balance. Interest after that runs on the lower balance only.

To handle a payment, calculate to the payment date, take the payment off the interest and then the principal, and start a new calculation from that date on what is left. For a business debt in England and Wales, the late payment interest calculator works out statutory interest before a claim. Enforcing a judgment is billable work too, and Sixminute records that time as it is done.