Post-judgment interest is the interest a money judgment earns from the day it is entered until the day it is paid. Federal courts use a weekly Treasury rate under 28 U.S.C. 1961, computed daily and compounded annually, while each state sets its own rate by statute. This post-judgment interest calculator looks up the federal rate from real Federal Reserve data, carries built-in rates for 18 states, and applies partial payments to interest first, then principal, so you can see what is owed on any payoff date.
Interest is allowed on most federal court money judgments from the date of judgment until paid. Under 28 U.S.C. 1961(a), it is calculated "from the date of the entry of the judgment, at a rate equal to the weekly average 1-year constant maturity Treasury yield, as published by the Board of Governors of the Federal Reserve System, for the calendar week preceding" the date of the judgment. Section 1961(b) adds that interest "shall be computed daily to the date of payment" and "shall be compounded annually." The rule does not apply to internal revenue tax cases.
The Federal Reserve publishes the weekly averages through its data download program (H.15, Selected Interest Rates), and each weekly figure covers the business days of a week ending on Friday. The calculator picks the week before the calendar week (Sunday to Saturday) in which the judgment was entered and locks that rate for the life of the judgment.
| Weekly average, week ending | 1-year Treasury yield | Applies to judgments entered |
|---|---|---|
| July 31, 2026 | 4.08% | August 2 to 8, 2026 |
| August 7, 2026 | 4.04% | August 9 to 15, 2026 |
| August 14, 2026 | 4.00% | August 16 to 22, 2026 |
| August 21, 2026 | 4.00% | August 23 to 29, 2026 |
| August 28, 2026 | 4.05% | August 30 to September 5, 2026 |
| September 4, 2026 | 4.15% | September 6 to 12, 2026 |
| September 11, 2026 | 4.24% | September 13 to 19, 2026 |
| September 18, 2026 | 4.41% | September 20 to 26, 2026 |
The calculator holds every weekly value from the week ending December 15, 2000 through the week ending September 18, 2026 (Federal Reserve H.15 data downloaded September 26, 2026). The 2000 start matches the change in the law: before December 21, 2000, the federal rate was tied to 52-week Treasury bill auctions instead. For a judgment entered after September 26, 2026, enter the rate shown on the judgment or in the court's notice.
State rates are either fixed by statute or reset on a schedule. The table shows the rule and the rate for a judgment entered in late September 2026 unless noted.
| State | Rate rule | Current figure | Law |
|---|---|---|---|
| Arizona | Lesser of 10% or prime + 1% when entered; does not change afterward | 8% from Sep 21, 2026 | A.R.S. 44-1201(B) |
| California | 10% on unpaid principal; 5% for medical debt under $200,000 or personal debt under $50,000 (judgments since 2023) | 10% or 5% | C.C.P. 685.010 |
| Florida | CFO quarterly rate when entered, then the rate in effect each January 1 | 8.06% (Jul to Sep 2026); 7.87% (Oct to Dec 2026) | Fla. Stat. 55.03 |
| Georgia | Prime on the day entered + 3% | 10% (prime 7.00%) | O.C.G.A. 7-4-12 |
| Illinois | 9%; 6% when the debtor is a local government or other governmental entity | 9% or 6% | 735 ILCS 5/2-1303 |
| Louisiana | Judicial interest rate set for each calendar year | 7.5% (2026) | La. R.S. 13:4202 |
| Maryland | 10%; 6% for residential rent judgments | 10% or 6% | Cts. and Jud. Proc. 11-107 |
| Minnesota | 10% over $50,000; yearly court administrator rate for $50,000 or less | 10% (over $50,000) | Minn. Stat. 549.09 |
| Missouri | 9% in non-tort cases; tort judgments state a rate of the intended federal funds rate + 5% | 9% (non-tort) | RSMo 408.040 |
| Nevada | FID prime + 2%, adjusted each January 1 and July 1 | 8.75% (Jul 1, 2026 prime 6.75%) | NRS 17.130 |
| New Jersey | Rate for each calendar year; + 2% if the judgment exceeded the Special Civil Part limit | 4.5% (2026), 4.0% (2027) | R. 4:42-11(a) |
| New York | 9%; 2% on consumer debt with an individual defendant | 9% or 2% | CPLR 5003, 5004 |
| North Carolina | Legal rate of 8% | 8% | N.C.G.S. 24-1, 24-5 |
| Ohio | Rate in effect when entered, kept until paid | 7% (2026) | R.C. 1343.03, 5703.47 |
| Oregon | 9% simple interest | 9% | ORS 82.010(2) |
| Texas | OCCC rate for the month the judgment is rendered; compounds annually | 6.75% (Oct 2026) | Tex. Fin. Code 304.003, 304.006 |
| Virginia | 6%, or the contract rate if higher | 6% | Va. Code 6.2-302 |
| Washington | Torts: prime on the first business day of the prior month + 2%; consumer debt 9% | 8.75% (Sep and Oct 2026 torts) | RCW 4.56.110 |
Prime rate figures come from the Federal Reserve H.15 release, which shows the bank prime loan rate at 7.00% from September 17, 2026 (6.75% before). Rates are current as of September 26, 2026. Florida sets its next rate on December 1, New Jersey's 2027 rate is already published, Texas sets each month's rate on the 15th of the month before, Nevada and Louisiana reset on January 1, and Ohio certifies its 2027 rate by October 15. When a future rate is not published yet, the calculator carries the last one forward and says so.
The week before the judgment ended Friday, March 1, 2024, when the weekly average 1-year Treasury yield was 5.00%. Year one earns $5,000.00. That interest is added on March 6, 2025, so year two earns 5.00% on $105,000, or $5,250.00. Paid on March 6, 2026, the total interest is $10,250.00.
The OCCC rate for May 2024 was 8.50%. Interest is $21,250.00 in the first year and $23,056.25 in the second, after compounding, for $44,306.25 over two years.
The quarter's rate was 8.65%, and on January 1, 2026 the judgment moved to the new 8.44% rate. From November 10, 2025 to March 1, 2026 that is 52 days at 8.65% and 59 days at 8.44%, or $2,596.60.
A $100,000 judgment entered January 1, 2025 earns 10% a year. A $5,000 payment on April 11, 2025, after 100 days, first pays the $2,739.73 of accrued interest, and the other $2,260.27 cuts principal to $97,739.73. Interest then runs on the lower balance.
It runs from the date the judgment is entered until it is paid. In federal court the rate is the weekly average 1-year constant maturity Treasury yield for the calendar week before the judgment, and interest is computed daily and compounded annually under 28 U.S.C. 1961. State courts use the rate their own statutes set.
For judgments entered from September 20 to September 26, 2026, the rate is 4.41%, the weekly average 1-year Treasury yield for the week ending September 18, 2026 in the Federal Reserve H.15 data. The rate for each new week is set by the prior week's average.
It depends on the law that applies. Federal judgments and Texas judgments compound annually by statute. Oregon's statute says judgment interest is simple interest unless a contract provides otherwise, and New Jersey's court rule calls for simple interest.
This calculator applies each payment to unpaid interest first and then to principal. Missouri's statute, for example, applies postjudgment payments first to postjudgment costs, then to postjudgment interest, and then to the judgment balance.
Texas uses the rate the Consumer Credit Commissioner sets for the month the judgment is rendered: the prime rate, but not less than 5% or more than 15%. It is 6.75% for judgments rendered in October 2026, and the interest compounds annually. Judgments on contracts that set a rate use the contract rate, up to 18%.
In federal court, Arizona, Georgia, Ohio and Texas the rate set at entry stays for the life of the judgment. Florida resets the rate every January 1, Nevada every January 1 and July 1, and New Jersey and Louisiana use a new rate each calendar year.