Post-judgment interest by state · Florida
Florida · after judgment
Post-judgment interest in Florida
An unpaid Florida money judgment earns 7.87% a year unless the judgment or a contract says otherwise. On a $5,000.00 judgment that is $393.50 in the first year, about $1.08 a day.
How the rate is set
Set quarterly by the Chief Financial Officer: the average New York Fed discount rate over the preceding 12 months plus 400 basis points, effective the following quarter. The rate on an entered judgment is adjusted every January 1.
- Statute or rule
- Fla. Stat. §55.03
- Figure read on 2026-10-23
- 7.87%
- Statute re-checked
- 2026-10-23
- Changes
- Q4 2026 (quarter beginning October 1, 2026)
When a different rate applies
- A written contract's rate is unaffected.
- Certain clerk-entered judgments are excepted from the annual adjustment.
Work out your own judgment
Florida is prefilled at 7.87%. Enter the amount and the date the judgment was entered. The calculator uses simple interest; that is how this rate accrues.
How Florida's rate is set, and where it comes from
Uses simple interest at the rate you enter — pre-filled with each state's standard statutory rate, editable since some states publish a new rate quarterly or annually. Some states apply a different rate to specific debt types (noted above where it applies) or when a contract specifies its own rate. Informational only, not legal advice; confirm the current rate and any exceptions with your court clerk before relying on this figure.
The formula, worked
Last reviewed: October 2026
Interest = principal × rate × days ÷ 365. For $5,000.00 at 7.87%: $5,000.00 × 0.07870 × 365 ÷ 365 = $393.50 after one year, and $1.08 for each further day.
What this page does not know
- The rate written on your judgment. If the court stated a rate, that one applies, whatever the default is today.
- Partial payments. Interest accrues only on what is still unpaid.
- Whether a change has already applied to your judgment: Florida re-rates existing judgments on its schedule, so an older judgment has carried more than one rate.
Informational only, not legal advice. Every figure is cited to the statute or the office that publishes it; confirm the current rate with the court clerk before relying on it.
Also for Florida: what it costs to sue in Florida small claims court.
Frequently asked questions
What is the post-judgment interest rate in Florida right now?
7.87% a year for an ordinary money judgment, for Q4 2026 (quarter beginning October 1, 2026), under Fla. Stat. §55.03.
How is the Florida rate set?
Set quarterly by the Chief Financial Officer: the average New York Fed discount rate over the preceding 12 months plus 400 basis points, effective the following quarter. The rate on an entered judgment is adjusted every January 1.
Is it simple or compound interest?
Simple interest: it is calculated on the original judgment amount only and never on earlier interest.
Can my Florida judgment carry a different rate?
Yes. A written contract's rate is unaffected. Certain clerk-entered judgments are excepted from the annual adjustment. The judgment itself may also state a rate, and that controls.
Related tools
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Open tool →Wage Garnishment CalculatorSee how much of a paycheck a small claims judgment creditor can actually garnish, by state — cited to each state's own wage-garnishment statute.
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