New York judgment & prejudgment interest rates
Everything New York charges in interest on a money judgment or an overdue debt, in one place — the rate after judgment and the rate before it, each verified against the statute and linked to its full page with sources, history, and carve-outs.
| Metric | Rate | Basis |
|---|---|---|
| Post-judgment interest | 9% | Set by statute |
| Prejudgment interest | 9% | Fixed by statute |
Post-judgment interest
New York's post-judgment interest rate is 9% per year. New York judgments generally accrue interest at 9% per year under CPLR 5004 — one of the highest statutory rates in the country. The major exception: since April 30, 2022, judgments arising out of consumer debt against individuals accrue only 2% (see the companion consumer-debt series). Other statutes can set different rates for specific defendants, so always check the governing provision.
→ Full New York post-judgment page — statute, effective-date history, and source.
Prejudgment interest
New York's prejudgment interest rate is 9% per year (fixed by statute). New York prejudgment interest is 9% per year, as simple interest under N.Y. C.P.L.R. 5004. Prejudgment (pre-verdict) interest under CPLR 5001 is available AS OF RIGHT only for (1) breach of contract and (2) an "act or omission depriving or otherwise interfering with title to, or…
→ Full New York prejudgment page — when it applies, accrual, compounding, and carve-outs.
→ Calculate New York prejudgment interest
Frequently asked
What is the post-judgment interest rate in New York?
As of April 30, 2022, the New York post-judgment interest rate is 9% per year. The default interest rate on New York judgments.
What is the prejudgment interest rate in New York?
New York's prejudgment interest rate is 9% per year (fixed by statute). Prejudgment (pre-verdict) interest under CPLR 5001 is available AS OF RIGHT only for (1) breach of contract and (2) an "act or omission depriving or otherwise interfering with title to, or…
Is New York judgment interest simple or compound, and when does it start?
See each rate's page for the exact compounding rule, accrual date, and statutory carve-outs — New York prejudgment interest in particular turns on the type of claim.
Compare every state on the state interest-rate index and the prejudgment interest index, or run the numbers with our interest calculators. Reference data only — not legal advice.