Florida Post Judgment Interest Rate: 2026 Rates and How to Calculate

Every unpaid Florida judgment accrues interest automatically from the date it's entered. You don't need to ask the court for it — Florida Statutes § 55.03 makes it mandatory. But calculating the correct amount requires tracking the rate that applies to the judgment and its annual January 1 adjustments.

2026 Florida Post-Judgment Interest Rates

The CFO sets new rates each quarter, calculated by averaging the Federal Reserve Bank of New York's discount rate over the prior 12 months and adding 4 percentage points. The table shows the rate for judgments entered in each quarter.

For judgments entered after July 1, 2011, the rate is established when judgment is obtained and adjusts annually on January 1 to the rate then in effect. A judgment's rate does not change each quarter; it can change each year until paid off.

How to Calculate Post-Judgment Interest

Florida uses simple interest — not compound. The daily formula is straightforward:

Daily Interest = Unpaid Balance × Daily Decimal Rate

Multiply the daily amount by the number of days in each period, using the rate established for that judgment and applying any January 1 adjustment.

Worked Example

Say you won a $5,000 judgment on January 1, 2026, with $350 in court costs. Your starting balance is $5,350.

Jan 1–July 1 (181 days at 8.44%): $5,350 × 0.000231233 × 181 = $223.91

Total accrued interest by July 1: $223.91 Total owed: $5,573.91

Now the debtor pays $1,000 on July 1. That payment applies first to accrued interest ($223.91), leaving $776.09 to reduce the principal. New balance: $4,573.91.

July 1–Oct 1 (92 days at the same 8.44% rate): $4,573.91 × 0.000231233 × 92 = $97.30

Balance on October 1: $4,671.22.

Applying Partial Payments Correctly

This is where many creditors make mistakes. Payments go first to accrued interest and costs, then to principal. If you apply a payment entirely to principal without satisfying the interest, your running balance will be wrong — and an incorrect payoff demand can create legal problems when you file the Satisfaction of Judgment.

Keep a running ledger with columns for date, transaction type, amount, interest accrued, balance applied, and remaining principal. Update it every time a payment comes in and when the applicable rate adjusts on January 1.

Where to Find Current Rates

The CFO's office publishes the rates through official Agency Addressed Memoranda. County clerks like the Brevard County Clerk also maintain public interest rate tables on their websites. The rate schedule is a public document — you can verify it independently.

Why This Matters for Enforcement

Post-judgment interest adds real money to your judgment over time. On a $5,000 judgment at roughly 8% per year, you're accruing about $400 annually. Over the 20-year life of a Florida judgment, that can more than double the original amount.

When filing enforcement motions — garnishments, executions, or motions for examination — always include the updated total with interest. Courts expect current figures, and the debtor's obligation includes every dollar of accrued interest.

Track Every Dollar

Our Florida Small Claims Judgment Collection Guide includes a step-by-step interest calculation walkthrough with the current 2026 CFO rate schedule, plus an enforcement cost tracker so you know your true collection position at every stage.

Get the complete guide and make sure you're claiming the full amount you're owed.

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