What is the Florida judgment interest rate for 2026?

7.87% a year for judgments entered from 1 October to 31 December 2026, and 8.06% from 1 July to 30 September 2026.

Who sets the Florida statutory interest rate?

The Chief Financial Officer, every quarter, under section 55.03(1) of the Florida Statutes.

Does the Florida rate change after judgment?

Yes. The rate in force at judgment is adjusted each 1 January while the judgment is unpaid.

Is Florida judgment interest simple or compound?

Simple. The rate is applied to the unpaid judgment, not to interest already accrued.

How much interest does a Florida judgment earn per day?

The judgment times 0.0215616% at the 7.87% rate. A $100,000 judgment earns $21.56 a day.

Can a contract rate replace the statutory rate?

Yes. A judgment on a contract or obligation that provides its own rate carries that rate.

Built by Unison Labs

Florida judgment interest rate and calculator

The rate the Chief Financial Officer sets each quarter under section 55.03, filled in. Enter the judgment and the dates for the interest, the daily amount and the total.

Florida judgment interest

Amount ($)Rate (%)

Judgment date

Paid on

Rate

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.

Florida statutory interest rates

The quarterly rates under section 55.03 that apply to judgments entered in 2026's second half. Choose one to use it in the calculator.

Florida judgment interest rates
Applies to	Rate	Source
	7.87%	Florida CFO memo of 4 September 2026 (0.0215616% a day)
	8.06%	Florida CFO judgment interest rate table

How Florida sets the rate

The Chief Financial Officer sets the statutory rate every quarter under section 55.03(1): the averaged discount rate of the Federal Reserve Bank of New York plus 4 points, announced on the first of the month before each quarter. For judgments entered from 1 October to 31 December 2026 it is 7.87% a year, or 0.0215616% a day.

The rate in force on the day of judgment applies, and section 55.03(3) adjusts it each 1 January while the judgment stays unpaid. A judgment on a contract or other obligation that sets its own rate carries that rate instead.

A worked example

A $75,000 judgment entered on 15 October 2026 at 7.87% earns $16.17 a day. Paid on 31 December 2026, 77 days later, the interest is $1,245.18 and the payoff is $76,245.18.

If the same judgment is still unpaid in January 2027, the part of the year from 1 January runs at the rate the CFO sets for that quarter. Work out each period at its own rate and add them together.

Prejudgment interest in Florida

Prejudgment interest is awarded by the court on its own rules. Where the court applies the section 55.03 rates, each quarter runs at its own rate: enter the day each quarter starts as the judgment date and the day it ends as the payment date, and add the results. Other states are in the judgment interest calculator for every state.