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.
The calculator splits the amount by rate. If an office charged interest or a customer has not paid, we check the due date, the base and what actually has to be paid or claimed.
Statutory interest on capital and for delay under the Civil Code, maximum interest, interest on commercial transactions, and the tax-arrears model from the Tax Ordinance.
Interest is simple and the year has 365 days. When more than one rate applied in the period, the calculator splits the accrual into segments and shows each one.
No. It is a calculation from the amount and dates you enter. It does not replace an interest note, a judgment, or an office decision.
We will help check the due date and prepare the settlement or a letter to the office.