Calcolo Interessi Legali

Gli interessi legali sono disciplinati dall'art. 1284 del codice civile e si applicano quando una somma di denaro è dovuta ma non viene pagata nei termini. Il tasso è fissato ogni anno con decreto del Ministero dell'Economia e delle Finanze.

Poiché il tasso cambia ogni anno, il periodo va suddiviso per anno solare. Per ogni frazione di anno si applica: Capitale × tasso% × (giorni del periodo / 365). La somma di tutte le frazioni dà gli interessi totali maturati.

No, varia sensibilmente: ad esempio 0,8% nel 2019, 0,01% nel 2021, 5% nel 2023, 2,5% nel 2024 e 2% nel 2025. Per questo il calcolo deve tenere conto del tasso in vigore in ciascun anno del periodo considerato.

Legal interest is governed by art. 1284 of the Italian Civil Code and applies when a sum of money is owed but not paid on time. The rate is set each year by decree of the Ministry of Economy and Finance.

Since the rate changes each year, the period is split by calendar year. For each fraction of a year, apply: Principal × rate% × (days in the period / 365). The sum of all fractions gives the total accrued interest.

No, it varies significantly: for example 0.8% in 2019, 0.01% in 2021, 5% in 2023, 2.5% in 2024 and 2% in 2025. That is why the calculation must account for the rate in force in each year of the period considered.

Yes, and not because we promise it: this tool runs entirely inside your browser. What you type or upload never leaves your device, so it never reaches a server of ours and there is nothing we could keep, read or lose. You can check it yourself: open the page, disconnect from the internet, and the tool keeps working.

No. There is no database behind this tool: we do not store your files, your text or your results. When you close the tab nothing is left — not here with us, because it never arrived, and not anywhere else.

We do not profile you: there is no account to create, we never ask for your email to use a tool, and we keep no profile of what you do. We are an Italian company and we work under the GDPR and the other European rules, with the privacy notice and the consent request in plain sight. One thing we say in full rather than hiding it behind a slogan: the ads on the page are Google's, and Google may use cookies to personalise them. You decide from the consent banner: if you say no the ads stay, but they are not personalised, and the tool works exactly the same.

From the ads on the page, and that is all. We do not sell your data, there is no hidden paid plan, there is no limit that eventually asks for your card, and you do not have to sign up. The ads pay for the servers and for the time we spend writing the tools: that is how we can keep them open to everyone.