Calculator · official rates checked Oct 13, 2026
Judgment Interest Calculator
What is a court judgment worth today? Enter the amount, the date it was entered and any payments: the calculator applies the post-judgment interest rate the law sets — federal, California, Florida, Illinois, New York or Texas — and gives you the balance, the daily interest and a payoff statement to send.
Balance due
- Principal left
- Unpaid interest
- Interest since judgment
- Per day from now
Accrual table
| Date | Event | Days | Rate | Interest | Payment | Balance |
|---|
Enter the amount and the judgment date. Everything is calculated in your browser; nothing you type is sent anywhere.
Post-judgment interest rates by jurisdiction
The rules the calculator applies, each read in the statute or on the agency page that publishes the rate. The federal, Florida and Texas rates are copied from the official tables into the calculator's data; the date of the last check is shown with each one below. For a date past the end of that data, the calculator asks you for the rate instead of guessing it.
| Court | Rate | How it accrues | Statute |
|---|---|---|---|
| Federal courts | 4.52% for judgments entered the week after Oct 2, 2026 (changes weekly) | Daily, compounded annually | 28 U.S.C. §1961 |
| California | 10%; 5% for medical debt under $200,000 or personal debt under $50,000 (judgments from Jan 1, 2023) | Simple, on unpaid principal | Cal. Code Civ. Proc. §685.010 |
| Florida | 7.87% for judgments entered from Oct 1, 2026; resets every January 1 | Simple; daily rate = annual ÷ days in year | Fla. Stat. §55.03 |
| Illinois | 9%; 6% against a local government; 5% for consumer debt of $25,000 or less (judgments entered after Jan 1, 2020) | Simple, on the unsatisfied portion | 735 ILCS 5/2-1303 |
| New York | 9%; 2% for consumer debt against an individual | Simple (no compounding in the statute) | N.Y. CPLR §5004 |
| Texas | 6.75% for judgments rendered in October 2026 (OCCC, fixed for the life of the judgment); contract judgments: contract rate up to 18% | Compounded annually | Tex. Fin. Code §§304.002, 304.003, 304.006 |
Not calculated yet, because the official text could not be read when this was checked: New Jersey (court rule 4:42-11), Louisiana, Georgia, North Carolina and Arizona. For those and other states, use the rate written in the judgment with the "Other state" option.
Federal post-judgment interest rate (28 U.S.C. §1961)
A federal judgment earns the weekly average 1-year constant maturity Treasury yield for the calendar week before it is entered. Recent weeks from the Federal Reserve's H.15 release (series RIFLGFCY01_N.WF), checked Oct 13, 2026; the calculator holds every week since January 2001.
| Week ending | 1-year average | Applies to judgments entered |
|---|---|---|
| Oct 2, 2026 | 4.52% | Oct 4 – Oct 10, 2026 |
| Sep 25, 2026 | 4.48% | Sep 27 – Oct 3, 2026 |
| Sep 18, 2026 | 4.41% | Sep 20 – Sep 26, 2026 |
| Sep 11, 2026 | 4.24% | Sep 13 – Sep 19, 2026 |
| Sep 4, 2026 | 4.15% | Sep 6 – Sep 12, 2026 |
| Aug 28, 2026 | 4.05% | Aug 30 – Sep 5, 2026 |
| Aug 21, 2026 | 4% | Aug 23 – Aug 29, 2026 |
| Aug 14, 2026 | 4% | Aug 16 – Aug 22, 2026 |
Source: Federal Reserve H.15. The U.S. Courts post-judgment interest page points to the same series.
Florida and Texas: rates that depend on the date
Florida sets a new rate every quarter (7.87% from Oct 1, 2026), and an unpaid judgment moves to the January 1 rate each year. See the Florida judgment interest rate page for every quarter since 2011 and a Florida-only calculator.
Texas fixes the rate by the month the judgment is rendered: 6.75% for October 2026, published by the Office of Consumer Credit Commissioner (checked Oct 13, 2026). The last twelve months: November 2025 7.25% · December 2025 7% · January 2026 6.75% · February 2026 6.75% · March 2026 6.75% · April 2026 6.75% · May 2026 6.75% · June 2026 6.75% · July 2026 6.75% · August 2026 6.75% · September 2026 6.75% · October 2026 6.75%.
From judgment to payment
- Ask for payment in writing with the payoff statement from the calculator: it shows the rate, the statute and the daily interest, so the debtor can check every figure.
- Credit every payment on its date. Interest is paid first, then principal; the table shows the split.
- If nothing arrives, use the court's enforcement tools — writs of execution, bank levies, wage garnishment — through the clerk of the court that entered the judgment.
- Watch the expiry date. Judgments do not last forever: in California, renew before 10 years.
Still before court? The small claims fee calculator and checklist tells you whether your claim fits and what filing costs, and the demand letter is the step before filing.
Frequently asked questions
How is post-judgment interest calculated?
Interest runs from the day the judgment is entered on the amount still unpaid, at the rate the law sets for that court. Each payment pays off accrued interest first and then principal. Among the courts this calculator covers, only federal and Texas judgments compound once a year; California, Florida, Illinois and New York use simple interest. Example: a $8,000 California judgment entered March 15, 2024 at 10%, with a $2,000 payment on March 15, 2025, owes $800.00 of interest by that payment; the payment covers it and puts $1,200.00 toward principal, and the balance on March 15, 2026 is $7,480.00.
What is the federal post-judgment interest rate?
It is the weekly average 1-year constant maturity Treasury yield published by the Federal Reserve for the calendar week before the judgment date (28 U.S.C. §1961(a)). The latest week in our data (checked Oct 13, 2026), ending Oct 2, 2026, averaged 4.52%, so that is the rate for judgments entered the following week. The rate is fixed at entry; interest is computed daily and compounded annually. A $50,000 judgment entered October 1, 2024 (rate 3.91%) grows to $53,986.44 by October 1, 2026.
What is the Florida judgment interest rate?
The Chief Financial Officer sets it every quarter; for judgments entered on or after Oct 1, 2026 it is 7.87% a year. The rate in effect when the judgment is entered applies until December 31 and then resets every January 1 to the rate in effect that day (Fla. Stat. §55.03(3)). The Florida page has every quarterly rate since 2011.
What is the Texas post-judgment interest rate?
For judgments rendered in October 2026 it is 6.75%: the prime rate, with a 5% floor and a 15% ceiling, set each month by the Consumer Credit Commissioner (Tex. Fin. Code §304.003). It stays fixed for the life of the judgment and compounds annually (§304.006). A $12,000 judgment rendered May 10, 2024 at 8.5% is $14,126.70 two years later.
Does judgment interest compound?
Only where a statute says so. Federal judgments (28 U.S.C. §1961(b)) and Texas judgments (Tex. Fin. Code §304.006) compound once a year: on each anniversary the unpaid interest joins the principal. California, Florida, Illinois and New York charge simple interest on the unpaid principal.
How long does a judgment last in California?
Ten years from entry. After that it cannot be enforced, unless the judgment creditor files an application for renewal before the ten years run out (Cal. Code Civ. Proc. §§683.020, 683.130). The calculator gives you that date and a calendar reminder for it.
Can I use it for prejudgment interest or another state?
Choose "Other state or a rate in the judgment", enter the rate and the date interest starts, and pick simple or annual compounding. The calculator applies the rate you give it without checking it, so take the rate from the judgment or your state's statute.
Not legal advice. The calculator applies the statute and the published rate cited in each result to the figures you enter. The judgment itself, a contract rate, costs added later or a court order can change what is owed; check with the clerk or a lawyer before you rely on a number.