Florida judgment interest calculator
Calculate simple post-judgment interest for an ordinary Florida money judgment using the official CFO rate in force on the judgment date and the required January 1 adjustments. The result includes each rate period, interest, total, and current per diem.
Check that this calculator fits your judgment
Use it only when all are true
- The judgment is an ordinary Florida money judgment governed by §55.03.
- It was entered/filed by the clerk on or after July 1, 2011.
- The unpaid money sum adjudged or entered has no later additions or payment events.
- You want an estimate using the statutory CFO schedule.
Do not use it for
- A rate established by written contract or obligation.
- Clerk-entered judgments under §§55.141, 61.14, 938.29, or 938.30.
- Prejudgment interest, payments, later fees or costs, renewals, or amended judgments.
- A court payoff where a different date, allocation, or rounding rule controls.
Calculate post-judgment interest
For a general Florida money judgment using the statutory schedule. Contract rates, specified clerk-entered judgments, partial payments, fees, and costs require separate treatment.
Your entries are calculated locally. StatuteRates does not transmit or save them.
Florida judgment interest estimate
- Entered money amount
- Judgment entered
- Calculated through
- Through-date
- Entry rate
- Interest
- Total
- Accrual days
- Current per diem
Rate periods used
Florida generally starts with the rate covering the judgment date and applies later statutory adjustments on January 1. This table shows every period used and, when needed, a separate small final adjustment that reconciles displayed period rounding to the exact combined total.
| Accrual period (inclusive dates) | Annual rate | Days | Per diem | Interest |
|---|
Method:
The unrounded result landed exactly on a half cent, so this estimate rounded that tie up. Confirm the court or payoff issuer’s rounding method before relying on it.
Reference estimate only—not legal advice or a court payoff. Confirm the applicable judgment category, principal, dates, statutory source, payment allocation, and court rounding before use.
The form runs entirely in your browser. Rates come from the official Florida CFO table; no amount or date you enter is sent to StatuteRates. The latest published schedule permits existing supported judgments to be calculated through December 31, 2026 without guessing a future January 1 reset.
How Florida judgment interest is calculated
Florida uses two different clocks that are easy to confuse. The Chief Financial Officer sets a rate for each calendar quarter. That quarterly schedule answers the first question: which rate applies when the judgment is obtained? Once that entry rate is selected, an ordinary judgment keeps it through December 31. Section 55.03(3) then adjusts the judgment to the CFO rate in effect on January 1 of each later year until the judgment is paid.
- Select the entry rate. Find the latest CFO effective date on or before the clerk-entry date. A judgment entered during the quarter beginning July 1, 2026 starts at 8.06%, even if the CFO has already announced a different rate for the following quarter.
- Accrue through year-end. Multiply principal by the annual rate and the elapsed-day fraction for that calendar year. The calculator uses 365 days, or 366 for a leap year, consistent with the CFO daily-factor schedule.
- Reset each January 1. If the calculation continues into a new year, apply the exact CFO rate effective that January 1 to the original principal. Later April, July, and October changes do not alter that existing judgment before the next January 1.
- Add the simple-interest periods. Each period’s interest is added to the result, but not to the principal used for the next period. The period table makes that rate path visible instead of hiding it inside one total.
Worked Florida example
Suppose an ordinary $10,000.00 Florida judgment was entered on July 1, 2024 and calculated through and including December 31, 2025. The entry rate was 9.46%. It applied for the remaining 184 days of leap year 2024. On January 1, 2025, the rate adjusted to 9.38% and applied for that calendar year.
| Period | Rate | Days | Interest |
|---|---|---|---|
| July 1, 2024 through December 31, 2024 | 9.46% | 184 | $475.58 |
| January 1, 2025 through December 31, 2025 | 9.38% | 365 | $938.00 |
The estimated interest is $1,413.58, producing a total of $11,413.58. The live form uses the same tested engine that produced this example, so the explanation and arithmetic cannot quietly drift apart.
As an additional arithmetic benchmark, the engine reproduces the Florida DFS example of $18,935,964.29 at 4.75% for 275 included days in 2013: $677,674.06 of interest. The DFS methodology filing and approval order are case-specific evidence for that example, not a universal payoff instruction for every Florida judgment.
What the per diem means
The per diem is the amount of simple interest accruing for one day in the final period shown. It equals the supported unpaid entered amount multiplied by that period’s daily factor. It is useful for updating an estimate by a small number of days, but it is not automatically a court-approved payoff figure. A payment, cost award, amended principal, January 1 reset, or case-specific allocation can change the correct daily amount.
The date labeled “calculate through” has an explicit choice. The default includes the entered through-date; the alternate option stops before it. The result prints the selected convention, inclusive period dates, and total day count. This avoids hiding a one-day assumption that can change the amount. Confirm the boundary specified by the judgment, payoff issuer, or court.
Why the calculator begins July 1, 2011
Florida’s modern rule came from Chapter 2011-169, Laws of Florida. It introduced the quarterly CFO schedule and the annual January 1 adjustment structure used here. The official CFO table contains older rates back to October 1981, and the Florida rate-history page preserves all of them. This calculator intentionally starts with the modern period instead of pretending that every older judgment follows today’s transition rules.
Automatic rate updates without guessed numbers
StatuteRates’ weekly data pipeline checks the official CFO page. It parses every published period, reconciles the annual percentage with the agency’s daily factor, and compares all overlapping rows with the committed history. A new quarter can be appended only when its date, annual rate, and daily arithmetic pass those checks. If the source is unavailable or a historical row changes unexpectedly, the pipeline retains the last verified data and fails closed instead of inventing a replacement.
The calculator has a second safeguard: it will not accept a judgment date in an unpublished quarter or cross a January 1 reset whose rate is not yet known. This matters for long-term accuracy because simply carrying the last rate forward would create a plausible-looking but unsupported payoff.
Official Florida sources
- Fla. Stat. §55.03 — quarterly CFO rate setting, the rate shown on judgments, the annual January 1 adjustment, and the contract and clerk-judgment branches.
- Florida CFO judgment interest rates — the current rate, historical schedule, and published daily factors.
- Chapter 2011-169, Laws of Florida — the modern statutory transition behind the supported start date.
- Florida DFS calculation methodology and the approving order — a case-specific official example supporting simple principal-only arithmetic, 365/366 denominators, and retained precision.
Frequently asked questions
What is the Florida judgment interest rate in 2026?
The current Florida CFO rate is 8.06% per year for judgments entered from July 1, 2026 through September 30, 2026. A supported judgment keeps the rate in force on its clerk-entry date through December 31, then generally adjusts to the CFO rate in force each January 1.
Does a Florida judgment rate change every quarter?
The CFO publishes a new rate every quarter for newly obtained judgments. An existing ordinary judgment does not change at every quarter: section 55.03(3) adjusts it annually on January 1.
Is Florida post-judgment interest simple or compounded?
This supported statutory path uses simple daily interest on the entered principal. Accrued interest is not added to principal for the next period. The calculator divides each annual rate by 365 days, or 366 in a leap year.
Which dates does the calculator count?
It begins with the clerk-entry date. You choose whether the calculate-through date is included or excluded, and the result prints that convention and the exact day count. Florida’s general sources do not establish one universal payment-boundary convention, so confirm the controlling instruction before relying on a payoff.
Can this calculate a Florida judgment with partial payments?
No. Partial payments, later-added costs or fees, renewals, amended judgments, contract rates, and the listed clerk-entered judgment categories can change the legally relevant balance or rate path. This tool rejects those branches instead of approximating them.
Cite this page
StatuteRates. “Florida Judgment Interest Calculator.” StatuteRates.com. Accessed today. https://statuterates.com/calculators/florida-judgment-interest/ Ordinary Fla. Stat. §55.03 scope from July 1, 2011; CFO history through July 1, 2026.