Florida Late Fee Calculator

No cap no late fee section in the law we read
Rent limit
None in Fla. Stat. §§ 83.40 to 83.684
Earliest fee day
–
Statute
Fla. Stat. §§ 83.40 to 83.684
Checked
What was not paid on time. Copies the rent until you type here.
How the lease sets the late fee
How many days the lease gives before a late fee; 0 if none.

Your late fee

$62.50

Paid 12 days late; the lease has no grace period.

Days past due
12 days
Grace period ends
No grace period
Earliest fee date
October 20, 2026
Lease late fee
5% of $1,250.00 = $62.50
Rent + late fee
$1,312.50

Florida: Fla. Stat. §§ 83.40 to 83.684 contains no late fee provision, so there is no legal cap or waiting period to apply; only your lease terms count.

Late rent notice builder

Who it is from and to
Amounts
Taken from the calculator. Set 0 if the rent itself is paid.
Taken from the result; you may change it.
Adds the two above until you type your own figure.
Blank: the letter asks for payment at the earliest opportunity.
Payment and contact
Where and how the tenant can pay.
Late rent notice

[Your name or company]

Date: October 31, 2026

To: [Tenant name]

[Rental property address]

Re: Overdue rent for [Rental property address]

Dear [Tenant name],

This letter is a reminder that the rent of $1,250.00 for [Rental property address] was due on October 19, 2026. As of October 31, 2026, $1,250.00 of it is still unpaid (12 days past due).

Your lease provides for a late charge, which comes to $62.50.

Amount now due

Unpaid rent
$1,250.00
Late charge
$62.50
Total
$1,312.50

Please pay $1,312.50 at your earliest opportunity.

If this letter crossed with your payment, please disregard it.

Regards,

[Your name or company]

7.87% Oct–Dec 2026 — resets periodically
Max written B2B rate
18% for obligations of $500,000 or less; above $500,000 the bound is the 25% criminal-usury line. No general business exemption.
Cap regime
Hard cap — 18%
Statute
Fla. Stat. §§ 687.01, 55.03, 687.02–.03
Current rate source
official current-rate page — the 7.87% (Oct–Dec 2026) figure was read from the Brevard County Clerk of the Court's copy of the CFO rate table on , because the official page could not be reached that day
Verified
— how we verify · changelog

Set quarterly by the state CFO (NY Fed discount 12-month average +400 bps); applies when the contract is silent.

How should the rate be applied?
Uses the Florida interest rate by quarter (set by the Chief Financial Officer under Fla. Stat. § 55.03) shown on this page (2022–2026): each day overdue earns the rate of the quarter it falls in.

Florida interest rate by quarter (set by the Chief Financial Officer under Fla. Stat. § 55.03)

PeriodRate per year
2026-10-01 to 2026-12-317.87%
2026-07-01 to 2026-09-308.06%
2026-04-01 to 2026-06-308.25%
2026-01-01 to 2026-03-318.44%
2025-10-01 to 2025-12-318.65%
2025-07-01 to 2025-09-308.90%
2025-04-01 to 2025-06-309.15%
2025-01-01 to 2025-03-319.38%
2024-10-01 to 2024-12-319.50%
2024-07-01 to 2024-09-309.46%
2024-04-01 to 2024-06-309.34%
2024-01-01 to 2024-03-319.09%
2023-10-01 to 2023-12-318.54%
2023-07-01 to 2023-09-307.69%
2023-04-01 to 2023-06-306.58%
2023-01-01 to 2023-03-315.52%
2022-10-01 to 2022-12-314.75%

Source: official rate table · checked .

Maximum late fee in Florida — written B2B contracts

Hard cap 18%.

Basis: Fla. Stat. §§ 687.02-.03, 687.071.

About this page

Florida rent late fee law

Florida's residential tenancy law, chapter 83 part II, contains no late fee provision, so it neither caps a late rent fee nor gives a grace period.

Read in full for this check: Florida Statutes, chapter 83, part II (Florida Residential Landlord and Tenant Act). Official source · checked .

Before you send the late rent notice: it is a reminder letter about overdue rent and a late charge, not an eviction notice. A notice to pay rent or quit is a separate document, and Florida has its own rules for it. Nothing on this page is legal advice.

What Florida law says about invoice interest

All contracts for the payment of interest [...] at a higher rate of interest than the equivalent of 18 percent per annum simple interest are hereby declared usurious. However, if such loan [...] or obligation exceeds $500,000 in amount or value, then no contract to pay interest thereon is usurious unless the rate of interest exceeds the rate prescribed in s. 687.071.
— Fla. Stat. § 687.02(1) (2025 Florida Statutes, flsenate.gov). Read it at the official source · row verified 2026-09-25.

18%/yr cap on obligations of $500,000 or less (the ordinary case); no general business exemption. Only deals over $500k rise to the 25% criminal-usury line.

Unless otherwise specifically allowed by law, any person making an extension of credit to any person, who shall willfully and knowingly charge, take, or receive interest thereon at a rate exceeding 25 percent per annum but not in excess of 45 percent per annum, or the equivalent rate for a longer or shorter period of time, whether directly or indirectly, or conspires so to do, commits a misdemeanor of the second degree [...]
— Fla. Stat. § 687.071(2) (2025 Florida Statutes, flsenate.gov). Read it at the official source · verified .

Rates as listed on the Brevard County Clerk of the Court's copy of the CFO rate table; the CFO's own page (myfloridacfo.com) could not be reached when this table was checked on 2026-09-25. The October–December 2026 rate (7.87%) applies through December 31, 2026. Under Fla. Stat. § 55.03(1) the CFO sets the rate on December 1, March 1, June 1 and September 1 for the next calendar quarter, and Fla. Stat. § 687.01 applies it where interest accrues without a contract rate; the January–March 2027 rate is added here once it is published.

Not legal advice. Figures were last verified on the date shown; check the cited statute before charging a late fee.