Part of the topic: 🐷 Saving, loans & retirement
Late payment interest calculator (§ 288 BGB)
Enter the amount, the first day of default and the payment date. The calculator applies the Bundesbank base rate for each half-year.
Voluntary support · Thank-you gift: our checklist PDF · Secure checkout via Digistore24 (Apple Pay, Google Pay, PayPal, card)
🔒 Runs entirely in your browser – nothing you enter is uploaded or stored.
How to use it
- Enter the outstanding amount.
- Enter the first day of default and the payment date.
- Choose consumer or business – the table shows each half-year with its rate.
Last checked: October 2026 · Based on: §§ 247, 286, 288 German Civil Code; Bundesbank base rate (1.52 % from 1 Jul 2026). Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
How high is the default interest rate in 2026?
From 1 July 2026: 6.52 % p.a. if a consumer is involved (1.52 % + 5) and 10.52 % p.a. between businesses (1.52 % + 9).
When does default start?
After a reminder, or automatically 30 days after the due date and receipt of the invoice (§ 286(3) BGB); for consumers only if the invoice points this out.
What is the €40 flat fee?
Between businesses the creditor can claim €40 in addition to interest when the debtor is in default (§ 288(5) BGB).