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Free tool

Late fee calculator

Estimate a late payment fee from invoice amount, days overdue, annual interest rate, and an optional flat fee. Numbers stay on your device — nothing is saved.

Inputs

Formula: interest ≈ amount × (annual rate) × (days ÷ 365), plus any flat fee. Rounded to the nearest cent. This is an estimate for planning — not legal advice, and not a claim about maximum permitted rates.

Estimate

Interest
$19.73
Flat fee
$25.00
Total late fee
$44.73
New total due
$1,044.73

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