New York judgment interest calculator
CPLR 5004 sets 9% a year, and 2% on consumer debt against a natural person. Choose the rate, enter the judgment and the dates.
New York: 9%, N.Y. CPLR 5004, 5003. Source: Statute at nysenate.gov (as of 9 November 2026). Interest is counted on a 365-day year. Not legal advice: confirm the rate in the judgment.
New York statutory interest rates
The two rates under CPLR 5004. Choose one to use it in the calculator.
| Applies to | Rate |
|---|---|
| 9% | |
| 2% |
CPLR 5004: 9%, or 2% for consumer debt
Interest on a New York money judgment is 9% a year, simple, from entry until payment (CPLR 5003 and 5004). Since 30 April 2022, a judgment on consumer debt against a natural person carries 2%, and the unpaid balance of older consumer debt judgments moved to 2% from that date. Judgments against businesses stay at 9%.
Consumer debt means an obligation of a natural person for money, property or services mainly for personal, family or household purposes.
A worked example
A $40,000 judgment against a company, entered on 1 March 2026 and paid on 9 November 2026, runs 253 days at 9%: $9.86 a day and $2,495.34 in all. The same amount on a credit card debt against an individual, at 2%, is $554.52.
Prejudgment interest under CPLR 5001
In contract cases and cases about property, New York adds prejudgment interest as of right, also at 9%, from the earliest ascertainable date the cause of action existed. Interest from the verdict or decision to entry of judgment is added under CPLR 5002. Enter each start date as the judgment date to estimate these periods. Other states are in the judgment interest calculator for every state.
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