YKLawyer in KyivLaw firm · Kyiv
ENG
+380 (66) 054 28 04Consultation

Cal­cu­la­torpre­lim­i­nary cal­cu­la­tion

Debts and re­cov­ery

Calculator for 3% annual interest on overdue debt

Enter the debt amount, first day of delay, and cal­cu­la­tion date. The cal­cu­la­tor shows es­ti­mat­ed 3% annual in­ter­est, ex­clud­ing in­fla­tion losses, penal­ties, and other pay­ments.

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

Calculation of 3% annual interest

The tool helps es­ti­mate the order of mag­ni­tude of an amount before making a demand, ne­go­ti­at­ing, or prepar­ing a debt-re­cov­ery claim.

Enter the prin­ci­pal debt without penal­ties, fines or legal costs.

Most often, this is the day after the date by which the debt should have been paid.

Date through which 3% annual in­ter­est should 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

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

Complete the full form

What exactly the calculator calculates

Article 625 of the Civil Code of Ukraine pro­vides for 3% annual in­ter­est on the overdue amount unless the con­tract or law sets a dif­fer­ent rate.

This is not a com­plete cal­cu­la­tion of all claims. In­fla­tion losses, penal­ties, court fees, legal as­sis­tance costs, or con­trac­tu­al in­ter­est may be cal­cu­lat­ed sep­a­rate­ly.

Methodology

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 Kyiv 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.

Documents

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.

Official sources

Prepared
The method­ol­o­gy was pre­pared by the website ed­i­to­r­i­al team based on of­fi­cial sources.
Checked
The cal­cu­la­tion has been re­viewed by a lawyer; no per­son­al data was pub­lished.
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.

Frequently asked questions

Frequently asked questions

Are inflation losses taken into account?

No. This cal­cu­la­tor com­putes only 3% annual in­ter­est. In­fla­tion losses require a sep­a­rate cal­cu­la­tion using of­fi­cial in­fla­tion indices.

Which date should I enter as the start of the delay?

The usual start­ing point is the day after the payment dead­line. The exact date, however, depends on the con­tract, invoice, receipt, or court de­ci­sion.

Can the result be used in a claim?

You can use this as a draft, but before filing you should check the period, formula, ev­i­dence of the debt, and pos­si­ble ob­jec­tions by the debtor.

Is this calculation suitable for a bank loan?

Not always. Sep­a­rate rules may apply to loans and con­sumer agree­ments, so the doc­u­ments need to be checked.

Related tools
Contractual penaltyContractual penalty calculatorShows: estimated penalty, daily rate, possible cap, and total amount.Limitation periodLimitation period calculatorShows: the estimated final day of the 3-year limitation period.Enforcement of judgmentsEnforcement document submission deadline calculatorShows: the period for presenting the document for an ordinary or state claimant.

Free initial con­sul­ta­tion

Need a review before making a demand or filing a claim?

Submit an ap­pli­ca­tion if you need to check the period, debt amount, con­tract terms, or prepare doc­u­ments for re­cov­ery in Kyiv.

  • 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