Late-payment penalty calculator
Unpaid invoice? Work out the late-payment penalties, add the €40 fixed recovery fee, and get a chaser letter ready to send. Based on the French Commercial Code, free and no sign-up.
The unpaid invoice
What you can claim
Chaser wording
La date de calcul doit être postérieure à l'échéance pour générer une relance.
Informatif. Le taux applicable dépend de vos CGV ; à défaut, le minimum légal est le taux BCE majoré de 10 points. En cas de litige, un conseil est recommandé.
How it works
Enter the invoice
Amount owed, due date, and the date you are calculating from.
Choose the rate
The rate in your terms of sale, or the legal minimum (ECB + 10 points).
Relancez sereinement
Penalties, the €40 fee, and a chaser ready to send.
Frequently asked questions
How do you work out late-payment penalties on an invoice?
Penalties = amount owed × annual penalty rate × (days late / 365). Failing a contract clause, the legal minimum rate is the ECB policy rate plus 10 points; terms of sale often set three times the French statutory interest rate.
What is the €40 fixed recovery fee?
On any business-to-business invoice paid late, a fixed recovery fee of €40 is payable as of right, on top of the late-payment penalties (article L441-10, French Commercial Code).
What is the legal payment term between businesses?
Failing an agreement, the term is 30 days from receipt. It can be extended to 60 days (or 45 days end of month) where the parties agree.
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