Judgment Interest Calculator - Florida

Florida does not use one fixed statewide percentage for the entire year. Under Fla. Stat. § 55.03(1), the Chief Financial Officer sets judgment interest rates each quarter. For the second quarter of 2026 (April through June), the rate is eight point two five percent (8.25%) per year, published March 31, 2026, per Florida Bar News and myfloridacfo.com. Other 2026 quarters have different CFO rates published on the statutory December, March, June, and September schedule. Many judgments also receive an annual adjustment every January 1 after entry. Match the quarter to your judgment date before quoting a rate.

Planning uses simple interest: Interest = Principal × Annual Rate × Years. At the verified eight point two five percent second-quarter 2026 rate under Fla. Stat. § 55.03, fifty thousand dollars for two years equals eight thousand two hundred fifty dollars ($50,000 × 0.0825 × 2 = $8,250). Partial periods may use (Principal × 8.25%) ÷ 365. Long spans crossing quarter boundaries may require segmenting each CFO rate published on the December, March, June, and September schedule rather than one flat percentage unless a court order says otherwise. Partial payments reduce principal going forward. TheLegalCalc's calculator applies simple interest to the inputs you provide. Download the CFO table on myfloridacfo.com for the controlling quarter.

Post-judgment interest under Fla. Stat. § 55.03 applies after the court enters a money judgment while principal remains unpaid. The quarterly rate in effect for the judgment period is set under § 55.03(1) on the CFO publication schedule, including the eight point two five percent rate published March 31, 2026 for April through June. Many cases also involve a January 1 annual adjustment after entry under the statute's framework, so long-range models should not assume one rate forever. Pre-judgment interest is separate and requires its own legal basis. Confirm the judgment entry date on the signed final judgment and coordinate rate selection with the CFO table row on myfloridacfo.com for that quarter.

Fla. Stat. § 55.03 establishes how the CFO sets the rate of interest on judgments; routine post-judgment planning treats the CFO percentage, such as eight point two five percent for April through June 2026, as simple interest on unpaid principal. The statute does not describe compounding interest on interest in the ordinary accrual sense. Contracts, orders, or renewal accounting could change results. This calculator uses simple interest only and does not add accrued interest back into principal each month. For recorded liens under Fla. Stat. § 55.10, also track the twenty-year limitation in § 55.081 with Florida counsel before assuming compounding or capitalization.

Interest under Fla. Stat. § 55.03 can run while principal is unpaid, but property enforcement is limited by Fla. Stat. § 55.081, which provides that a judgment is not a lien on property in Florida after twenty years from the date of entry, subject to § 55.10 recording and extension practice. Quarterly rate changes, such as the eight point two five percent second-quarter 2026 CFO rate, and January 1 adjustments can change the interest calculation over that window. Track both CFO publications on myfloridacfo.com and lien timelines with your county clerk. Interest theory alone does not preserve a lien if recording or extension requirements are missed.

Parties may settle and agree to forgive post-judgment interest, subject to authority, fraud law, and bankruptcy rules. Contracts may specify prejudgment rates that differ from post-judgment treatment under Fla. Stat. § 55.03. Satisfaction of judgment and releases recorded in the court file can limit collection. Settlements should state whether interest at the controlling CFO quarterly rate stops on the payment date and whether the release covers costs, fees, and liens recorded under § 55.10. A written payoff letter referencing the published eight point two five percent second-quarter rate, or another quarter's rate, reduces confusion. This calculator does not provide legal advice. Consult a Florida attorney before crediting payments or filing satisfaction.