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Make a late payment easier to calculate.
Work out interest using the amount, period and selected interest type.
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How it worksStatutory interest
€ 811.06
- Principal
- € 10,000.00
- Interest over 289 days
- € 811.06
- Principal + interest
- € 10,811.06
The rate from 1 January 2027 has not been set yet. From that day on, the last known rate is used.
| From | To | Days | Rate | Base | Interest |
|---|---|---|---|---|---|
| 1 Jan 2026 | 30 Jun 2026 | 181 | 10.15% | € 10,000.00 | € 503.33 |
| 1 Jul 2026 | 16 Oct 2026 | 108 | 10.40% | € 10,000.00 | € 307.73 |
Per period: base × rate × days ÷ days in the year (365 or 366), rounded to the cent. An indication; in a dispute the court sets the amount.
Collection costs
Collection costs in the Netherlands: the statutory WIK scale.
Extrajudicial collection costs (buitengerechtelijke incassokosten) on the same principal. The Dutch WIK act caps what you may charge; a consumer only owes them after the 14-day letter.
Collection costs
€ 875.00
- Costs by the scale
- € 875.00
- VAT
- € 0.00
- Total collection costs
- € 875.00
The scale comes out below € 40.00; the statutory minimum is applied.
The scale comes out above € 6,775.00; the statutory maximum is applied.
| Tranche | Rate | Base | Costs |
|---|---|---|---|
| € 0.01 to € 2,500.00 | 15.00% | € 2,500.00 | € 375.00 |
| € 2,500.01 to € 5,000.00 | 10.00% | € 2,500.00 | € 250.00 |
| € 5,000.01 to € 10,000.00 | 5.00% | € 5,000.00 | € 250.00 |
| € 10,000.01 to € 200,000.00 | 1.00% | € 0.00 | € 0.00 |
| above € 200,000.00 | 0.50% | € 0.00 | € 0.00 |
Decree on compensation for extrajudicial collection costs, art. 2. Minimum € 40.00, maximum € 6,775.00.
Total to claim
€ 10,000.00 principal + € 811.06 statutory interest + € 875.00 collection costs. The collection costs are calculated on .
€ 11,686.06
Understand the result
Follow the calculation, period by period.
- Period 1
- Period 2
- Period 3
For each period: amount, number of days and applicable rate.
Back to the tool ↑Which interest type should I choose?
Choose the situation that applies to your claim. The tool shows its calculation basis; it does not establish which interest you are entitled to claim.
What if the rate changes during the period?
The result is split into periods with the applicable rate so you can follow the total.
Are collection costs the same as interest?
No. Interest and collection costs are separate. Each has its own calculation on this page.