Calculadora de juros de mora

Perguntas frequentes

What is the statutory late payment interest in Germany?

Under § 288 BGB it is the base rate (Basiszinssatz) plus 9 percentage points when no consumer is involved, and plus 5 points for consumers. Since 1 July 2026 the base rate is 1.52 %, so 10.52 % and 6.52 % per year.

From when does default interest run?

From the day after a fixed due date has passed, or after a reminder. This calculator counts the actual days from the day after the due date up to and including the end date, divided by 365.

When can I charge the € 40 flat fee?

§ 288 (5) BGB grants a flat fee of € 40 when the debtor is in default and is not a consumer. It is charged once per claim and set off against later collection costs.

Meus dados financeiros são carregados em algum servidor?

Não. Todo cálculo, arquivo PDF e XML é produzido dentro da aba do seu navegador com JavaScript e WebAssembly. Nada é carregado, armazenado ou registrado — a ferramenta também continua funcionando offline.