Late Payment Law: Your Rights
Law 3/2004 on Late Payments protects companies and self-employed from late payments. You can claim late payment interest + €40 compensation for each unpaid invoice. Many companies don't know how much they lose to late payments nor that they can legally claim.
- Know your legal rights
- Calculate exact claimable interest
- Justify claims to clients
- Reduce the impact of late payments
- Make decisions about claims
- Improve your cash flow management
Invoice
Total amount of unpaid invoice
Days elapsed since due date
Late payment interest rate (8% + Euribor, approx. 11-13% in 2025)
Check if both parties are companies or professionals
Claimable Interest
⚖️ Legal Payment Deadline: 60 days (unless agreed, max. 60 days)
Disclaimer: Important Disclaimer
This calculator is indicative. Late payment interest is calculated according to Law 3/2004 on Late Payments, but may vary according to specific contracts. The late payment interest rate changes biannually (Euribor + 8 points). To make a legal claim, consult a lawyer or specialized legal advisor.
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