2026 Tennessee judgment & prejudgment interest rates
Current 2026 snapshot: Tennessee post-judgment interest is 8.75% per year; the recorded prejudgment reference is up to 10% per year.
Everything Tennessee 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 | 8.75% | July 1, 2026 | Tenn. Code §47-14-121 | Published reference |
| Prejudgment interest | up to 10% | July 9, 2026 | Tenn. Code Ann. § 47-14-123 | Discretionary |
Post-judgment interest
Tennessee's post-judgment interest rate is 8.75% per year. Tennessee’s general rate for a judgment entered from July 1 through December 31, 2026 is 8.75%. Tenn. Code §47-14-121 uses the Department of Financial Institutions formula rate for June (10.75%) less two percentage points. A statute, note, contract, or other writing can supply a different lawful rate.
→ Full Tennessee post-judgment page — Tenn. Code §47-14-121, effective-date history, scope, and official source.
Prejudgment interest
Tennessee's prejudgment interest rate is up to 10% per year (discretionary). Tenn. Code §47-14-123 permits a court or jury to award prejudgment interest in accordance with equitable principles at a rate not exceeding 10% per year. Ten percent is a ceiling, not an automatic default. Entitlement, the chosen rate, and the start date remain discretionary and claim-specific.
→ Full Tennessee prejudgment page — Tenn. Code Ann. § 47-14-123, when it applies, accrual, compounding, and carve-outs.
Frequently asked
What is the post-judgment interest rate in Tennessee?
As of July 1, 2026, the Tennessee post-judgment interest rate is 8.75% per year. Tennessee judgment interest — the formula rate minus 2 points.
What is the prejudgment interest rate in Tennessee?
Tennessee's prejudgment interest rate is up to 10% per year (discretionary). The award and rate are discretionary; 10% is only the statutory ceiling.
Is Tennessee judgment interest simple or compound, and when does it start?
The selected rate is fixed for that judgment rather than changing with later six-month rates. Tennessee appellate opinions use the Code’s simple-interest definition in ordinary judgment-interest analysis, while contract cases require express agreement for compounding. The statutes do not state one universal postjudgment compounding method, so a payoff calculator remains withheld until day count, partial-payment allocation, and every exception branch are verified. The judgment-entry date selects the applicable six-month rate. Section 47-14-122 runs interest from the verdict. In a nonjury case, Tennessee appellate authority treats the practical equivalent of a verdict as the point when the court’s findings make the award sufficiently certain; that point can precede formal judgment entry. Remands and other procedural postures require separate analysis.
Cite this page
StatuteRates. “Tennessee Judgment & Prejudgment Interest Rates.” StatuteRates.com. Accessed today. https://statuterates.com/states/tennessee/ 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.