How the calculation works
- Formula
- Basiszinssatz + 9 percentage points for non-consumer debts, or + 5 percentage points for consumer debts.
- Current stored rate
- 1.52% base rate effective 2026-07-01; current stored B2B formula rate 10.52% and consumer formula rate 6.52%.
- Recovery compensation
- The EUR 40 recovery cost compensation applies to non-consumer debts; it does not apply to consumer debts.
- Primary source
- Deutsche Bundesbank Basiszinssatz
For a German B2B invoice, the calculator applies Basiszinssatz + 9 percentage points and can include the EUR 40 recovery cost.
This tool calculates interest mechanically from stored rate data. It is not legal advice. Always check the contract, governing law, debtor status, and any sector-specific rules.
Frequently asked questions
Which German base rate is used?
The calculator uses the official Basiszinssatz series and applies the statutory margin for the selected debtor type.
What is the difference between B2B and consumer debts?
B2B and non-consumer debts generally use Basiszinssatz + 9 percentage points; consumer debts use + 5 percentage points.
Does the EUR 40 recovery cost apply to consumers?
No. The recovery cost compensation is handled as applying to non-consumer debts only.