Legal and Late-Payment Interest
Work out legal interest (art. 1284 c.c.) or commercial late-payment interest (D.Lgs. 231/2002) on a sum owed, split at every change of rate.
What it does
Legal and Late-Payment Interest does the job on the page as you type or drop files: no account, no form to submit, and the result is yours to download or copy.
When you need it
The ordinary admin of life — a mortgage to understand, a holiday to split, a bibliography due on Friday, receipts to hand in, a CV to update — where the alternative is a spreadsheet or a site that asks for your email first.
Limits and caveats
It is a working tool, not professional advice: figures and rules are explained on the page, and anything that depends on your own situation is yours to check. With a profile in My KIVO your work can be kept on this device as a draft; otherwise nothing is kept. Everything happens in your browser, so the file never leaves your device.
How to legal and late-payment interest
- Drop or choose your file file.
- KIVO processes it instantly — no waiting for uploads.
- Download the result. That's it.
Frequently asked questions
- Legal or late-payment interest?
- Between businesses, and between a business and a public body, late payment carries the D.Lgs. 231/2002 rate: the ECB rate plus 8 points. Between private individuals the legal rate applies, unless a contract says otherwise.
- Is the interest compounded?
- No. It is simple interest, as the law provides, counted day by day.
- How up to date are the rates?
- The page shows when the tables were last checked. A period after the last known rate is flagged.
- Do my files get uploaded?
- No. This tool runs entirely in your browser, so the file never leaves your device.
Embed this tool on your site
Copy this code into a page of your site: the calculator works inside it, nothing your visitors type is sent anywhere, and it links back here.