Late-payment interest 2026
Late-payment interest calculator
Late-payment interest (morarente) is the interest a creditor can claim when an invoice is paid after the due date. Calculate the interest at the current rate of 12.25% for the second half of 2026 – the calculator can also add the B2B standard compensation.
Calculate late-payment interest
Enter the principal, the due date and the payment date. The interest is calculated locally in your browser.
Late-payment interest: 12.25% p.a. (effective 1 July–31 December 2026, set by Finanstilsynet). The rate changes on 1 January 2027. For claims spanning a half-year change, each period must be calculated with the correct rate.
Next step when the customer doesn't pay
- VAT for sole proprietorships — check whether the claim should be invoiced with VAT
- Hourly rate calculator — price the risk of late payment into your hourly rate
How is late-payment interest calculated?
Late-payment interest is calculated when an unpaid invoice is not paid by the due date. The rate for the second half of 2026 is 12.25% p.a.. Under the Late Payment Interest Act, the rate is set every six months, effective from 1 January and 1 July.
The interest runs from the day after the due date until payment is received. For B2B, the creditor can also claim standard compensation of 430 kr. The interest is always calculated on the principal, not on accrued interest.
How we calculate
Late-payment interest = principal × annual rate × number of overdue days ÷ 365. The interest runs from the day after the due date and is calculated on the original claim (no compounding / interest on interest).
The annual rate for the second half of 2026 is 12.25% and applies from 1 July to 31 December 2026. Finanstilsynet sets the rate every six months (effective 1 January and 1 July) as Norges Bank's policy rate plus at least 8 percentage points.
Standard compensation for recovery costs is 430 kr (2. half of 2026) – a fixed amount you can claim on late payment from a business, public authority or other legal person (Late Payment Interest Act § 3a).
What this calculator doesn't account for
- The 430 kr standard compensation (H2-2026) applies only against businesses/public bodies (B2B). Against consumers you can instead charge a reminder fee (max 38 kr per reminder in 2026), not 430 kr.
- Disputed claims: interest normally stops if the customer disputes the invoice on reasonable grounds.
- Claims running past 30 June 2026 must be split by the correct rate per half-year – a new rate applies from 1 July 2026.
- An agreed deviating rate (where the law allows it) can override the standard rate.
- Debt-collection fees and other charges may come in addition.
Sources and rate
Last verified against official sources: 29 June 2026 – applies to the second half of 2026 (12.25%). The rate changes on 1 January 2027.
Check current information at Finanstilsynet and the rules at Lovdata.
The calculator uses the current half-year rate. For claims spanning a half-year change, each period must be calculated with its own rate.
Frequently asked questions
What is the late-payment interest rate now? +
Late-payment interest is 12.25% p.a. for the second half of 2026 (effective 1 July–31 December 2026). The rate is set by Finanstilsynet every six months and changes again on 1 January 2027.
What is morarente? +
Morarente is the everyday Norwegian word for late-payment interest – the interest a creditor can claim when an invoice is paid after the due date. The terms mean the same thing.
How do I calculate late-payment interest? +
Late-payment interest = principal × annual rate × (number of overdue days / 365). At a rate of 12.25%, 10,000 kr overdue for 30 days gives: 10,000 × 0.1225 × (30/365) ≈ 100.68 kr. The interest is calculated on the principal, not on accrued interest.
Can I charge late-payment interest on an invoice? +
Yes. Under the Late Payment Interest Act, a creditor can charge late-payment interest when an invoice is not paid by the due date, without it having to be agreed in advance.
When does late-payment interest start to run? +
Late-payment interest starts to run the day after the due date. If there is no due date, the interest normally runs from 30 days after a written demand for payment.
What is standard compensation? +
Standard compensation is a fixed B2B compensation of 430 kr for recovery costs under the Late Payment Interest Act § 3a (H2-2026, effective 1 July 2026). It can be claimed in addition to the late-payment interest itself.
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