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B2B Late-payment Interest Calculator

Calculate interest on unpaid commercial invoices using the Spanish statutory rate for each half of 2026.

  • 2 min
  • Reviewed

Partial payments

Accrued interest€291.19

Plus €40.00 fixed compensation for recovery costs.

Outstanding principal
€5,000.00
Estimated total claim
€5,331.19
PeriodDays · rateInterest
1 Feb 2026 → 1 Jul 2026150 · 10.15%€208.56
1 Jul 2026 → 28 Aug 202658 · 10.4%€82.63

Indicative estimate. Check the assumptions, exclusions and official sources before making a decision.

This is an indicative estimate based on the information entered. Review the assumptions before making a tax or financial decision.

01 / Methodology

Methodology and sources

Reviewed · We do not store the amounts you enter

Validity and privacy

Effective from
1 January 2026
Valid through
31 December 2026
Privacy
The calculation runs in your browser.

Main assumptions

  • A commercial transaction between businesses, or with a public authority, covered by Spanish Act 3/2004.
  • There is no different contractual late-payment rate that takes precedence.

Not included

  • Consumer debts, additional damages and evidenced recovery costs above €40.
  • The calculation does not by itself establish that the debt is legally enforceable.

Official sources

02 / FAQ

Frequently asked questions

Which rates apply in 2026?

The Spanish statutory B2B rate is 10.15% in the first half of the year and 10.40% in the second. The calculator splits the days automatically.

What is the additional €40?

Spanish Act 3/2004 gives the creditor a fixed recovery-cost amount when the debtor is late.

Does it support partial payments?

Yes. Each payment reduces the principal on which interest continues to accrue from that date.

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