Calculator of Legal Interest and Late Fees (Italy) | Federico Calò
Calculate legal interest (art.1284 c.c.) and late payment interest (D.Lgs 231/2002) with updated MEF and BCE rates. Enter principal, days, and year to get the interest amount.
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Frequently Asked Questions
What is the legal interest rate under art. 1284 c.c.?
The legal interest rate is set annually by the Ministry of Economy with a decree published in the GU by December 15th. It applies to civil debts in the absence of a contractual agreement. As of January 1, 2026, it is 1.60%.
When late fees interest D.Lgs 231/2002 apply?
Default interest applies to late payments in commercial transactions (B2B and public administration). The rate is the ECB reference rate + 8 percentage points and is updated every six months (1 Jan and 1 Jul).
What is the difference between legal interest and default?
Legal interest (art.1284 c.c.) applies to civil claims in general and is lower. Late payment interest (D.Lgs 231/2002) is reserved for delays in commercial payments and is significantly higher (about 10% annually in 2025-2026) to encourage timely payment.
Are the displayed rates up to date?
The rates entered in this tool are based on reliable public sources (MEF decrees, GURI, BCE). They are classified as medium confidence and are updated annually. Always verify with the MEF decree in GURI and the BCE statement for official confirmation.
How is it used?
- Select interest type
Choose "Legal Interests" for civil credits (Art.1284 c.c.) or "Late Payment Interest" for delays in commercial payments (D.Lgs 231/2002)
- Enter capital and period
Indicate the principal (loan amount) and number of days late. For legal interest, also select the reference year.
- Get interest amount
The calculator applies the legal rate (MEF/GU) or default rate (BCE + 8%) and returns accrued interest and total including principal.
- See a professional for real cases
This tool is for reference only. For credit recovery, payment demands, or contract disputes, always consult a lawyer or accountant.