Rekenbox · 2026
Dutch statutory interest and collection cost calculator
Interest by period and collection cost calculation.- Interest days
- 247
Interest by period
| From | Through | Days | Interest (%) | Amount |
|---|---|---|---|---|
| 2026-01-01 | 2026-09-04 | 247 | 4 | €67.67 |
Assumptions, sources and version
2026 · nl-2026.1 · v2026.1
- Interest starts on the entered first day and includes the final day. Collection costs are due only if legal conditions are met; consumers require a valid fourteen-day notice.
- Rijksoverheid — wettelijke rente (2026-09-04)
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Understand your result
How this tool works
Use the correct first interest day and choose consumer or commercial debt. The tool splits the calculation at rate changes and can capitalise interest annually. The final entered day is included. The calculation alone does not establish whether interest or costs are legally due.
Collection costs under the BIK scale
Open the dedicated collection-cost calculator for the full band table, VAT setting and consumer/business distinction. A valid fourteen-day notice and enforceability remain conditions to check. Count the interest and collection cost once each.
Common questions
Can I immediately charge the displayed collection costs?
Only when the legal conditions are met. The tool does not verify the notice history or a valid fourteen-day notice.
Is the final day included?
Yes. The entered final interest day is inclusive. Avoid counting it again in a subsequent calculation.
What is statutory commercial interest?
It is the statutory interest regime for qualifying commercial transactions. Its rate and scope differ from consumer interest. Select the appropriate type and period.
Can I see the collection scale separately?
Yes. The linked calculator shows principal by band, minimum and maximum costs and a separate eligible-VAT setting.
Which details do you need?
- Outstanding principal
- First interest day
- Last interest day (inclusive)
- Debtor
- Capitalise interest annually
- Show collection costs
Limits of this tool
- Interest starts on the entered first day and includes the final day. Collection costs are due only if legal conditions are met; consumers require a valid fourteen-day notice.
Year: 2026 · Version 2026.1
Sources for this tool
- Rijksoverheid — wettelijke rente · calculation source checked 2026-09-04
Prepared by the Rekenbox product team at Winstwaker. The listed source references and calculation version make the method traceable. Report a content error Last updated: 2026-09-06. Rekenbox is a product by Winstwaker. The tool applies a calculation model to your inputs; a result or paid report is not a personal assessment by an adviser.