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Calculators

Unpaid invoice

The interest and fixed recovery cost the law adds to a late invoice without asking, and which court route the debt belongs in.

Unpaid invoice calculator

Margin, recovery cost and caps from the ledger of the unpaid-invoices guide.

The ECB's main refinancing rate before this half-year began, 2.65% now, from the ledger. It resets each January and July; change it here for a debt that ran over an earlier half-year. The statutory margin is added to it below.

Interest at 10.65% a year
EUR 87.53
Recovery costs, fixed
EUR 40.00
You may add, in total
EUR 127.53
Principal plus additions
EUR 5,127.53

Both apply automatically, with no interest clause needed, unless your contract agrees a different rate. The EUR 40.00 is owed in full however small the interest is, which is what makes it worth claiming on debts too small for court.

Every rate above is read from the ledger in Getting Paid in Latvia: Unpaid Invoices, Interest, and the Courts, last checked 19 September 2026. That guide carries what a calculator cannot: who each rule does not apply to, what changes above a threshold, when a declaration is required, and what the figure is not.