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Debts and overdue pay­ments

Calculator for 3% annual interest on overdue debt

Enter the debt amount and overdue period for a pre­lim­i­nary cal­cu­la­tion of 3% per annum. The tool does not cal­cu­late in­fla­tion losses or check special con­trac­tu­al or statu­to­ry ex­cep­tions.

Legal workflow with calculations and documents
Current
April 22, 2026
Value
0 ₴
Online tool

Calculation of 3% annual interest

Suit­able for a pre­lim­i­nary es­ti­mate of mon­e­tary debt when you need a quick sense of the amount before making a demand or filing a claim.

Enter the prin­ci­pal debt only, ex­clud­ing penal­ties and costs.

Usually, this is the day after the date the debt was due.

Last day of the period for which 3% must be cal­cu­lat­ed.

Estimated result

Preliminary calculation
3% per annum123,29 UAH

Formula: 50 000,00 UAH × 3% × 30 / 365

Principal debt
50 000,00 UAH
Days overdue
30
3% for one day
4,11 UAH
Debt including 3% per annum
50 123,29 UAH
Review with a lawyer

The brief summary is easy to paste into a message to a lawyer or save for your­self.

Complete the full form

How the calculation works

As a general rule under Article 625 of the Civil Code of Ukraine, a cred­i­tor may claim 3% annual in­ter­est on the overdue amount unless a dif­fer­ent rate is set by con­tract or law.

This cal­cu­la­tor com­putes only 3% annual in­ter­est. In­fla­tion losses, penal­ties, court fees, legal as­sis­tance costs, and any con­trac­tu­al in­ter­est are not in­clud­ed.

Calculation methodology

Method­ol­o­gy for cal­cu­lat­ing 3% annual in­ter­est

  1. Use the prin­ci­pal overdue amount, ex­clud­ing penal­ties, fines and legal costs.

  2. We iden­ti­fy the first day of delay and the last day of the cal­cu­la­tion period.

  3. Mul­ti­ply the debt by 3% annual in­ter­est and prorate it by the number of cal­en­dar days overdue.

  4. We sep­a­rate­ly exclude in­fla­tion losses, con­trac­tu­al in­ter­est and other pos­si­ble pay­ments from this cal­cu­la­tion.

Example

Calculation example

The con­trac­tu­al debt in Lviv is UAH 50,000, overdue for 120 cal­en­dar days.

  • Prin­ci­pal debt: UAH 50,000
  • Delay period: 120 days

Es­ti­mat­ed 3% per annum: UAH 493.15; total with debt: UAH 50,493.15.

This is only 3% annual in­ter­est. In­fla­tion losses, penal­ties, and court costs are cal­cu­lat­ed sep­a­rate­ly.

What to check in the documents

  • Con­tract, IOU, invoice, or another doc­u­ment con­firm­ing the debt.
  • Payment dead­line and ev­i­dence that the debtor was re­quired to perform the mon­e­tary oblig­a­tion.
  • Partial pay­ments, rec­on­cil­i­a­tion state­ments, cor­re­spon­dence, or demands con­cern­ing the debt.
  • Con­trac­tu­al terms on in­ter­est, penal­ties, special re­stric­tions, or mora­to­ria.

Frequently asked questions

Can inflation losses be added immediately?

Not in this tool. In­fla­tion losses are cal­cu­lat­ed sep­a­rate­ly using in­fla­tion indices, so they need a sep­a­rate cal­cu­la­tion.

From what date does the default period begin?

Usually, the period starts on the day after the payment due date. The con­tract, receipt, or court de­ci­sion may contain details that affect this.

Is the calculator suitable for a loan?

It can be used only as a rough guide. Special rules and limits may apply to credit and con­sumer agree­ments.

Does the result guarantee the amount the court will award?

No. The court checks the basis of the debt, the period, ev­i­dence, con­tract terms, and the debtor’s de­fens­es.

Resources for your situation

Calculations and checks

Official sources

Prepared
The method­ol­o­gy was pre­pared by the website ed­i­to­r­i­al team based on of­fi­cial sources.
Important
The tool pro­vides a pre­lim­i­nary result and does not replace doc­u­ment review.

Current as of . The cal­cu­la­tion is pre­lim­i­nary and depends on the doc­u­ments and cir­cum­stances.

Free initial con­sul­ta­tion

Need to check the debt against the documents?

Submit an ap­pli­ca­tion if you need to check the default period or con­tract terms, or prepare a demand or claim in Lviv.

  • the cal­cu­la­tor result can serve as a ref­er­ence for a con­ver­sa­tion
  • doc­u­ments, dead­lines, or con­tract terms may change the con­clu­sion
  • briefly de­scribe the cir­cum­stances in the form if needed

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