Free · No signup · Private
Spain Legal & Late-Payment Interest Calculator 2026
Work out interest on a debt between two dates with Spain's 2026 legal interest (3.25%), tax late interest (4.0625%) or court interest.
Interest
162,05 €
| Days | 364 |
| Yearly rate | 3.25 % |
| Total with interest | 5.162,05 € |
Legal interest: applies to a debt when no rate was agreed. Tax late interest: what the Tax Agency charges. Court interest: legal interest + 2 points from the judgment. 2026 keeps the 2025 rates because the Budget was extended.
Simple interest, 365-day year. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Agencia Tributaria
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Related tools
Questions people ask
What's the legal interest rate in 2026?+
3.25%, the same as 2025, because the Budget was extended. Late interest is 4.0625%.