Statutory interest for delay = NBP reference rate + 5.5 percentage points. For B2B transactions = reference rate + 10 pp. The interest calculator computes the amount due from a specific due date.

Interest = loan amount x interest rate x number of days / 365. The calculator accounts for the type of interest (statutory, contractual, maximum) and the exact delay period.

Statutory interest is the legal minimum for delays. Maximum interest = 2x the statutory delay rate — this is the upper limit a contract may not exceed. The calculator applies the correct type automatically.

Generally no — Polish law prohibits anatocism (interest on interest). Exceptions include specific contracts or bank accounts. The calculator uses simple interest by default.

Interest

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