Small Claims Interest Calculator
Add statutory interest and recoverable filing costs to a small-claims debt to see the full amount to demand.
How it works
Interest = principal × rate × (months ÷ 12) · Total claim = principal + interest + recoverable costs
When you sue in small-claims court to recover a debt, you can usually ask for more than the bare amount owed: statutory or contractual interest that accrued while it went unpaid, plus recoverable court costs such as the filing fee and cost of serving the defendant. This estimate uses simple interest — the standard for most consumer debts — over the months the debt has been overdue, then adds your out-of-pocket filing expenses.
Worked example
A $3,000 unpaid invoice at 10% simple interest for 8 months accrues 3,000 × 0.10 × (8 ÷ 12) = $200. Adding $75 in filing and service fees, you would claim about $3,275.
Frequently asked questions
What interest rate can I claim?
If a contract sets a rate, that usually controls up to the legal maximum; otherwise the state’s statutory judgment or legal rate applies. Rates commonly fall between 5% and 12%.
Can I recover my filing fee?
In most small-claims courts the prevailing party can recover court costs like the filing and service fees, though attorney fees are typically not awarded unless a contract or statute allows them.
Is small-claims interest simple or compound?
Most consumer and contract claims use simple interest on the principal, which this calculator applies. Verify your jurisdiction’s rule before filing.
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Educational estimate only — not legal, tax or financial advice. Actual settlements, awards and payoffs depend on the facts, jurisdiction and negotiation. Consult a licensed attorney.