2026 New York judgment & prejudgment interest rates
Current 2026 snapshot: New York’s recorded headline post-judgment branch is 9% per year; the recorded prejudgment reference is 9% per year.
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 recorded with a cited source and linked to its full page with observations, scope, and known carve-outs.
| Metric | Rate or rule | Effective / reference date | Authority | Basis |
|---|---|---|---|---|
| Post-judgment interest | 9% | June 15, 1981 | CPLR 5003 and 5004(a) | Statutory branches |
| Prejudgment interest | 9% | July 9, 2026 | N.Y. C.P.L.R. 5004 | Fixed by statute |
Post-judgment interest
New York's recorded headline post-judgment branch is 9% per year; another branch may control. CPLR 5004(a) sets a 9% annual general rate, and CPLR 5003 starts post-judgment interest when a money judgment is entered—or when a payment order is docketed as a judgment. This is a general branch, not a universal answer: covered consumer-debt actions against natural persons use 2% from April 30, 2022, specific statutes can control, and an agreement must clearly preserve a different post-judgment rate to displace the statutory rate.
→ Full New York post-judgment page — CPLR 5003 and 5004(a), effective-date history, scope, and official source.
Prejudgment interest
New York's prejudgment interest rate is 9% per year (fixed by statute). CPLR 5004 supplies New York’s general 9% rate, but a qualifying consumer-debt action against a natural person uses the separate 2% rate beginning April 30, 2022. CPLR 5001 controls entitlement and timing before verdict or decision; equitable matters and other specific statutes can use different treatment.
→ Full New York prejudgment page — N.Y. C.P.L.R. 5004, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in New York?
New York uses multiple post-judgment branches. The recorded headline branch is 9% per year, but another branch may control. New York’s general judgment rate and the branches that can displace it.
What is the prejudgment interest rate in New York?
New York's prejudgment interest rate is 9% per year (fixed by statute). CPLR 5001 covers specified contract and property-interference damages; equitable actions remain discretionary.
Is New York judgment interest simple or compound, and when does it start?
New York appellate authority says CPLR 5001–5004 does not provide compound interest. The entered judgment can include pre-entry interest incorporated under CPLR 5002, but partial payments, tolling, contract survival, and special statutory branches still prevent a universal payoff calculator. StatuteRates therefore keeps this series reference-only. CPLR 5003 starts interest on a money judgment when the judgment is entered, or when a payment order is docketed as a judgment. CPLR 5002 separately governs interest from a verdict, report, or decision until judgment entry; the legally relevant dates therefore depend on the procedural record.
Cite this page
StatuteRates. “New York Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/new-york/ Each rate includes a cited source and an effective or recorded-reference date; confirm the controlling authority before use.
Compare every state on the state interest-rate index and the prejudgment interest index, or enter a confirmed rate in the judgment interest and per-diem calculator. Reference data only — not legal advice.