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Swedish Late-Payment Interest Calculator 2026

Calculate daily late-payment interest on an overdue debt using an entered reference rate and interest margin.

Overdue payment

Enter the principal and days late. Check the contract, legal start date, and applicable reference rate before making a claim.

Principal on which interest is charged, excluding accrued interest and fees.

Count the days for which interest applies according to your documents.

Advanced settings

2.00% applies from 1 July to 31 December 2026. Change it for another half-year.

The Swedish Interest Act baseline is 8 percentage points unless another valid rate applies.

Estimated late-payment interest

Simple daily interest using 365 days and one rate for the whole period.

Accrued late interest
SEK 82

Interest for the entered principal and days.

Details

Principal plus interest
SEK 10,082

Debt and calculated interest, excluding reminder or collection fees.

Annual late-payment rate
10.00%

Reference rate plus the entered margin.

Interest per day
SEK 3

Approximate interest for each late day.

Analysis & guidance

  • Use the right principal

    Separate VAT and fees before deciding which amount actually bears interest.

  • Late cash flow has a cost

    Compare the interest with profit margin when customer delays affect a business.

  • Check affordability

    A household budget may show whether a payment plan is more realistic.

Common questions

What is Sweden's late-payment rate in 2026?

The Riksbank reference rate is 2.00% in both halves of 2026, making the Interest Act baseline 10% when the margin is 8 points.

Can I always add 8 percentage points?

Not automatically. Contracts, special legislation, and the type of claim can change the rate or start date.

Does this compound interest?

No. It applies simple interest to principal. Interest on unpaid interest is not included.

Are reminder and collection fees included?

No. The result covers principal and late interest only. Any fee needs separate legal support.

The baseline is reference rate plus eight

When the Swedish Interest Act rate applies, annual interest is the current Riksbank reference rate plus 8 percentage points. A 2% reference rate gives 10%.

The start date depends on the claim

A contractual due date, a later demand, and different claim types can produce different start dates. This calculator does not decide when interest legally starts.

Split periods when the rate changes

The reference rate is fixed for each calendar half-year. Divide a period crossing that boundary and apply the rate valid in each part.

Late-payment interest on a Swedish debt

How to use the calculator

Enter the overdue principal and the number of days for which interest applies. The advanced settings let you change the Riksbank reference rate and the interest margin. From 1 July through 31 December 2026, Sweden's reference rate is 2.00 percent. The Interest Act baseline adds 8 percentage points, producing 10 percent a year where that rule applies.

The calculation

The tool uses simple interest: principal × annual rate × days / 365. A SEK 10,000 debt at 10 percent costs about SEK 2.74 per day and SEK 82.19 over 30 days. It does not add accrued interest back to principal, and it excludes reminder fees, debt-collection charges, and other claim items.

When does interest start?

The amount alone cannot answer that. A contractual due date may control, while the Swedish Interest Act contains separate rules where no due date was fixed in advance. The kind of claim, the date a valid demand reached the debtor, and special legislation may matter. Check the agreement and sections 3–4 of the Act before using a day count in a real claim. This calculator provides arithmetic, not legal advice.

When a period crosses a half-year

The Riksbank sets the reference rate twice each year. Statutory late interest can therefore change on 1 January or 1 July while a debt remains unpaid. Split the period at that date and calculate each part using the rate then in force. Also check whether the parties validly agreed another rate. Keep the due date, payment date, and rates with your calculation so another person can reproduce it.

How to read this calculator

These results are meant as guidance. They are based on rules, assumptions, and simplified models that can differ from your exact real-world situation.

Estimate, not a legal decision

Use the result as decision support and planning help. For high-stakes choices, confirm the details with the relevant authority, lender, employer, or adviser.

Methodology

Each calculator uses defined inputs, assumptions, and logic. We explain the broader approach on the methodology page.

Read methodology

Sources and updates

Important calculators should be traceable back to official rules, public guidance, or other clearly stated references.

Read about sources

Official Swedish sources

Common questions

VAT Calculator

Separate VAT and fees before deciding which amount actually bears interest.

Quick and clear for net and gross calculations.

Open VAT calculator

Profit Margin and Markup Calculator

Compare the interest with profit margin when customer delays affect a business.

Calculate both ways without confusing margin with markup

Calculate margin

Household budget calculator – monthly money left

A household budget may show whether a payment plan is more realistic.

See money left, savings capacity, and annual margin

Build a household budget