Capital and late-payment interest (Civil Code), maximum rates, commercial transactions (Act of 8 March 2013), and a model for tax arrears interest (Tax Ordinance Art. 56). Simple interest, 365-day divisor.
Sets interest type, rate mode, and how the first day is chosen — you still enter amounts and dates. Changing fields manually switches to “Custom”.
Check the current Lombard rate on nbp.pl. In automatic tax mode one value is used for the full period.
Used when the first interest day is the day after the due date.
Inclusive.
| Number of days | — |
| Interest | — |
| Approx. effective rate (simple interest) | — |
| Period | Days | Annual rate | Partial interest |
|---|
Simple interest, divisor 365. CC: NBP reference rate from embedded change table (from 2021-11-04). Commercial: Act of 8 March 2013 Art. 4 — rate as on 1 Jan or 1 Jul. Tax Ordinance Art. 56 § 1: 2 × Lombard + 2 pp, not less than 8%.
For information only. Actual amounts depend on law, announcements, MPC decision effective dates, contract, and facts. Before 4 Nov 2021 or for unusual cases use fixed-rate mode or seek professional advice.