New York Judgment Interest Calculator
A New York money judgment earns statutory interest from the date it is entered — 9% per year for most judgments (CPLR 5004), and 2% for consumer debt judgments entered on or after April 30, 2022. Interest is simple, not compounded. This calculator does the math creditors and debtors both need.
NY Judgment Interest Calculator (CPLR 5004)
The Rules
- Post-judgment interest runs at the statutory rate from entry until the judgment is paid (CPLR 5003, 5004). New York judgments are enforceable for 20 years — interest keeps running the whole time.
- Consumer debt exception: for judgments against natural persons arising out of consumer debt, the rate is 2% for judgments entered on or after April 30, 2022 (and applies prospectively to earlier unpaid consumer judgments from that date).
- Pre-judgment interest (CPLR 5001) is a separate calculation from the date the claim accrued in contract and property cases — often worth more than the claim's owner realizes.
Interest only matters if you can collect. See our guide to collecting on a judgment in New York.
Holding a Judgment Nobody Has Paid?
We enforce New York judgments — restraining notices, income executions, turnover proceedings, and finding the assets debtors think are hidden. The interest keeps running while we do.
About the Author
Albert Goodwin Esq. is a licensed New York attorney with over 18 years of courtroom experience helping creditors and businesses collect debts, enforce judgments, and recover money owed to them across New York City and its suburbs. He can be reached at 212-233-1233 or [email protected].
