Default Interest Calculator
Calculate default interest on late payments. According to BGB for consumers and businesses. Online calculator with current 2026 market rates and clear.
Currently 1.27% (as of 01/2026)
Days in Default
59 Days
Default Interest Rate
6,27 %
1,27 % + 5 %-Pkt.
Default Interest
50,68 €
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How high is the default interest rate?
For consumers, the default interest rate is 5 percentage points above the ECB base rate. For businesses (B2B), it is 9 percentage points above the base rate. The base rate is updated semi-annually.
When does default interest start?
Default interest begins when the debtor is in default, either after a payment reminder (Mahnung) or automatically 30 days after the invoice due date and receipt (for consumers, only if stated on the invoice).
What is the Default Interest Calculator?
The default interest calculator computes interest on late payments under the German Civil Code. The rate is above the Bundesbank base rate.
How does the Default Interest Calculator work?
Enter the outstanding amount, due date and payment date. The calculator computes default interest to the day. For consumers: base rate + 5 percentage points; for businesses: base rate + 9 percentage points.
Key Data and Facts
Default interest consumers: base rate + 5%. Default interest business: base rate + 9%. Base rate (01 Jan 2026): 1.27 %. Flat-rate dunning costs B2B: 40 euros.
Step-by-Step Guide
How to calculate Verzugszinsen step by step: 1. Offenen Betrag enter: Die unbezahlte Forderung in Euro. 2. Faelligkeitsdatum angeben: Ab wann ist der Schuldner in Verzug? Bei Verbrauchern: 30 days nach Faelligkeit und Zugang der Rechnung (Paragraph 286 BGB) oder nach Mahnung. 3. Zahlungsdatum enter: Wann wurde tatsaechlich gezahlt (oder heutiges Datum). 4. Verzugszinssatz bestimmen: Verbraucher: Basiszinssatz + 5 Prozentpunkte. Geschaeftsverkehr (B2B): Basiszinssatz + 9 Prozentpunkte. Basiszinssatz (01.01.2026): 1,27 %. 5. Tagesgenau calculate: Verzugszinsen = Betrag x Verzugszinssatz x Verzugstage / 365. 6. Im B2B-Bereich: Zusaetzlich 40 EUR Mahnpauschale (Paragraph 288 Abs. 5 BGB). Beispiel: Rechnung 5.000 EUR, faellig am 01.03.2026, Zahlung am 15.04.2026, Geschaeftsverkehr. Verzugstage: 45 days. Verzugszinssatz: 2,27 + 9 = 11,27 %. Verzugszinsen: 5.000 x 0,1127 x 45 / 365 = 69,45 EUR. Mahnpauschale: 40 EUR. Gesamtforderung: 5.000 + 69,45 + 40 = 5.109,45 EUR.
Calculation Example
Rechnung 5.000 EUR, B2B, 45 days Verzug. Verzugszins (11,27 %): 69,45 EUR. Mahnpauschale: 40 EUR. Gesamtforderung: 5.109,45 EUR.
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