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Late-payment interest under Czech law: calculation from the ČNB repo rate

Enter the amount owed, the due date and the payment date. The calculator finds the statutory rate for the half-year in which the delay began, calculates the interest and, between businesses, adds CZK 1,200 for each invoice. It calculates only in your browser.

Try it How to use it

Czech late-payment interest rates since 2014

Rate = ČNB repo rate in effect on the first day of the half-year in which the delay began + 8 percentage points. As of November 6, 2026; source: the 2-week repo rate history on the ČNB website.

Delay began in ČNB repo rate on day 1 of the half-year Repo rate in effect since Late-payment interest per year
H2 2026 3.75% June 19, 2026 11.75%
H1 2026 3.50% May 9, 2025 11.50%
H2 2025 3.50% May 9, 2025 11.50%
H1 2025 4.00% November 8, 2024 12.00%
H2 2024 4.75% June 28, 2024 12.75%
H1 2024 6.75% December 22, 2023 14.75%
H2 2023 7.00% June 23, 2022 15.00%
H1 2023 7.00% June 23, 2022 15.00%
H2 2022 7.00% June 23, 2022 15.00%
H1 2022 3.75% December 23, 2021 11.75%
H2 2021 0.50% June 24, 2021 8.50%
H1 2021 0.25% May 11, 2020 8.25%
H2 2020 0.25% May 11, 2020 8.25%
H1 2020 2.00% May 3, 2019 10.00%
H2 2019 2.00% May 3, 2019 10.00%
H1 2019 1.75% November 2, 2018 9.75%
H2 2018 1.00% June 28, 2018 9.00%
H1 2018 0.50% November 3, 2017 8.50%
H2 2017 0.05% November 2, 2012 8.05%
H1 2017 0.05% November 2, 2012 8.05%
H2 2016 0.05% November 2, 2012 8.05%
H1 2016 0.05% November 2, 2012 8.05%
H2 2015 0.05% November 2, 2012 8.05%
H1 2015 0.05% November 2, 2012 8.05%
H2 2014 0.05% November 2, 2012 8.05%
H1 2014 0.05% November 2, 2012 8.05%

2-week repo rate history on the ČNB website (in Czech)

How to use the tool

  1. 01

    Enter the invoices

    For each invoice, enter the amount owed and the due date. The invoice number is optional and useful for the export. Each invoice is a separate claim.

  2. 02

    Add the payment date

    If the debtor has paid, enter the payment date. If they have not paid yet, leave the field empty and the calculator works up to the calculation date (today by default).

  3. 03

    Select a business-to-business relationship

    If this is a mutual obligation between businesses or a supply to a public contracting authority, tick the option. The calculator adds CZK 1,200 for each overdue invoice.

  4. 04

    Check and download CSV

    The table shows the days late, the rate, the interest and the totals. Open the CSV in Excel or copy the values into your payment reminder.

How the calculator works

Since January 1, 2014, the amount of statutory late-payment interest in the Czech Republic has been set by Government Regulation No. 351/2013 Coll. The annual rate equals the Czech National Bank (ČNB) repo rate set for the first day of the calendar half-year in which the delay occurred, increased by 8 percentage points. The rate is derived from the start of the delay, so the calculator keeps it the same for the whole period of delay, even if the ČNB changes the repo rate in the meantime.

A debtor is in delay when they do not pay a debt properly and on time. The calculator treats the day after the due date as the first day of delay. Number of days late = payment date minus due date. Example: due date July 31, payment August 10 means 10 days late.

Interest = amount owed × annual rate / 100 × number of days late / 365. The calculator uses a 365-day year even in leap years and rounds the interest to the nearest haléř (0.01 CZK). The government regulation does not specify the number of days in a year. If your contract has its own interest arrangement, follow the contract.

Compensation for costs: for a mutual obligation between businesses, or a supply of goods or services to a public contracting authority, the minimum costs associated with recovering each claim are CZK 1,200 (Section 3 of Government Regulation No. 351/2013 Coll., Section 1972 of the Czech Civil Code). The regulation does not set this amount for consumers, so the calculator adds it only if you tick the option.

A delay that began before January 1, 2014 is governed by the older Government Regulation No. 142/1994 Coll. The calculator does not do that calculation. Nor does it calculate interest on late child maintenance payments for a minor, which has a special rule (Section 2(2) of the regulation). The table contains rates up to the second half of 2026 (as of November 6, 2026); for later half-years the calculator does not return a result.

The calculator is a calculation aid, not legal advice. We are not a law firm. For disputed claims, have the calculation checked by a lawyer.

Sources

Frequently asked questions

What is the late-payment interest rate in the second half of 2026?
11.75% per year. The ČNB repo rate in effect on July 1, 2026 was 3.75% (in effect since June 19, 2026), and 8 percentage points are added to it. The rate applies to delays that began between July 1 and December 31, 2026.
Does the rate change if the ČNB changes the repo rate during the delay?
No. What matters is the repo rate set for the first day of the half-year in which the delay began. It applies for the whole period of delay, even if it lasts several years.
When can I claim CZK 1,200 from the debtor?
For a mutual obligation between businesses, or a supply of goods or services to a public contracting authority. CZK 1,200 is the minimum for each claim you pursue. The calculator treats each invoice as a separate claim. You can also claim higher actual costs of recovering the claim (Section 1972 of the Czech Civil Code).
What if our contract sets a different late-payment interest?
The statutory rate applies when the parties have not agreed on the amount of late-payment interest (Section 1970 of the Czech Civil Code). The calculator does not calculate contractual interest or contractual penalties.
How do I calculate interest when the debtor paid only part?
Split the debt into two rows with the same due date: the paid part with its payment date and the rest with a later payment date (or no date if it is still owed). The calculator adds CZK 1,200 to each overdue row. An invoice split into two rows is still one claim, though, so subtract one of the compensations from the total.

Payment reminders with interest and CZK 1,200, without manual calculation

The calculator handles one reminder. If you send dozens, the interest calculation can be connected to data from your accounting software. We will look at how to set it up for you.

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