Statutory Interest Calculator
Enter the principal, period, and transaction type. The calculator instantly computes the statutory interest based on current rates.
What is statutory interest?
Statutory interest (wettelijke rente) is the interest you may claim when an invoice is not paid on time. There are two types: regular statutory interest (Article 6:119 BW) for non-commercial transactions, and commercial statutory interest (Article 6:119a BW) for business-to-business transactions.
The interest is calculated as simple interest (not compounded) on a daily basis. The rate is set by De Nederlandsche Bank and typically changes on January 1 and July 1. Statutory interest accrues automatically from the day after the due date until full payment.
Current statutory interest rates
Overview of statutory and commercial interest rates by period.
| Period | Statutory interest | Commercial interest |
|---|---|---|
| Jan 1, 2026 – present | 4.00% | 10.15% |
| Jul 1, 2025 – Dec 31, 2025 | 6.00% | 10.15% |
| Jan 1, 2025 – Jun 30, 2025 | 6.00% | 11.50% |
| Jul 1, 2024 – Dec 31, 2024 | 7.00% | 12.50% |
Source: Rijksoverheid.nl / De Nederlandsche Bank. Rates may change on January 1 and July 1.
How to calculate statutory interest: the formula
Interest = Principal × (Rate / 100) × (Days / 365)
Statutory interest is calculated as simple interest on a daily basis. Compound interest does not apply. The year always counts as 365 days.
Example: €10,000 for 30 days (4%)
€10,000 × (4 / 100) × (30 / 365) = €32.88
Statutory interest: €32.88
When can you charge statutory interest?
Statutory interest starts accruing the day after the invoice due date. For consumers, you must first send a notice of default (ingebrekestelling). For commercial transactions (B2B), interest accrues automatically after the agreed payment term expires, or after 30 days if no term was agreed.
In addition to statutory interest, you may also claim extrajudicial collection costs. These are calculated separately according to the WIK scale. Use our collection costs calculator to calculate them.
Frequently asked questions about statutory interest
Also calculate collection costs?
In addition to statutory interest, you can also claim extrajudicial collection costs.
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