Georgia Late Fee Calculator
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
- September 29, 2026
- Lease late fee
- 5% of $1,250.00 = $62.50
- Rent + late fee
- $1,312.50
Georgia: O.C.G.A. §§ 44-7-1 to 44-7-119 contains no late fee provision, so there is no legal cap or waiting period to apply; only your lease terms count.
Next step: turn these figures into a late rent notice for the tenant.
Georgia rent late fee law
Georgia's Code chapter 44-7 on landlords and tenants contains no late fee limit, so it neither caps a late rent fee nor gives a grace period.
Read in full for this check: Official Code of Georgia Annotated, Title 44, chapter 7 (Landlord and Tenant). Copy read on codes.findlaw.com (not the state's official site) · checked .
Late rent notice builder
Before you send it: this builds a reminder letter about overdue rent and a late charge. It is not an eviction notice. A notice to pay rent or quit is a separate document, and Georgia has its own rules for it. Nothing on this page is legal advice.
[Your name or company]
Date: October 10, 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 September 28, 2026. As of October 10, 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]
How to use the Georgia rent late fee calculator
- Enter the monthly rent and the rent that is overdue.
- Enter the date the rent was due and the date it was paid, or today if it is still unpaid.
- Choose how the lease sets the late fee (percent of rent, flat amount or dollars per day) and type the figure from the lease.
- Enter the grace days written in the lease.
- Read the late fee and the earliest fee date, then copy the figures or print a late rent notice.
Work out interest on an overdue B2B invoice under Georgia law. The legal default rate — what applies when the contract is silent — is 7%, and the statute is quoted verbatim below. All math runs locally in your browser.
Legal rate on liquidated demands when no written rate; on commercial accounts, O.C.G.A. § 7-4-16 lets the owner charge up to 1 1/2 percent per month (18% a year simple) on the portion that has been due and payable for 30 days or more.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Georgia's statute (O.C.G.A. §§ 7-4-2, 7-4-16) for you.
Worked example: Georgia invoice interest at 7%
Interest at Georgia's statutory default of 7% a year, worked out with the same formula as the calculator above: amount × (7% ÷ 365) × days. If your contract states its own rate, enter that rate in the calculator instead.
| Invoice amount | 30 days late | 60 days late | 90 days late |
|---|---|---|---|
| $1,000.00 | $5.75 | $11.51 | $17.26 |
| $5,000.00 | $28.77 | $57.53 | $86.30 |
| $10,000.00 | $57.53 | $115.07 | $172.60 |
What Georgia law says about invoice interest
(a)(1)(A) The legal rate of interest shall be 7 percent per annum simple interest where the rate percent is not established by written contract. Notwithstanding the provisions of other laws to the contrary . . . the parties may establish by written contract any rate of interest, expressed in simple interest terms . . . where the principal amount involved is more than $3,000.00 but less than $250,000.00 . . . . (B) Where the principal amount is $250,000.00 or more, . . . the parties may establish by written contract any rate of interest, expressed in simple interest terms or otherwise, and charges to be paid by the borrower or debtor.
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Georgia interest rules by principal amount
| Principal / situation | What the statute allows |
|---|---|
| No rate established by written contract | 7 percent per annum simple interest |
| $3,000 or less | The rate may not exceed 16 percent per annum simple interest on any loan, advance, or forbearance (§ 7-4-2(a)(2), quoted in the maximum late fee section below) |
| More than $3,000 and less than $250,000 | Any rate of interest established by written contract, expressed in simple interest terms |
| $250,000 or more | Any rate of interest established by written contract, expressed in simple interest terms or otherwise |
O.C.G.A. § 7-4-2(a)(1)–(2) — rate rules by principal amount, as quoted on this page. Source of the quoted text · source of the $3,000 text.
Georgia commercial accounts: what O.C.G.A. § 7-4-16 allows
Separately from the § 7-4-2 bands, § 7-4-16 lets the owner of a commercial account charge interest on the part of the account that has been due and payable for 30 days or more, at up to 1 1/2 percent per month, calculated from the date it became due until it is paid. 1 1/2 percent per month is 18% a year as simple interest (1.5 × 12). Choose the commercial-account rule in the calculator above to apply it.
The statute text does not require a written contract rate, but courts look for the rate to be stated. In TalentQuest, LLC v. Immersive Healthcare Technologies, Inc., No. 1:21-cv-1748-MLB (N.D. Ga. Oct. 15, 2021; govinfo.gov), the federal court quoted Georgia appellate decisions: § 7-4-16 interest is appropriate where the exact rate sought is specified in a contract, agreement or invoice, or in the pretrial order, or where those documents specifically reference the statute, and recovering pre-judgment interest under it requires a pre-trial invocation of the provision.
The owner of a commercial account may charge interest on that portion of a commercial account which has been due and payable for 30 days or more at a rate not in excess of 1 1/2 percent per month calculated on the amount owed from the date upon which it became due and payable until paid.
Maximum late fee in Georgia — written B2B contracts
Conditional cap 16% (principal $3,000 or less).
Three bands under § 7-4-2: $3,000 or less — 16% cap, but only 'unless ... made pursuant to another law'; more than $3,000 and under $250,000 — any rate by written contract, stated in simple interest terms; $250,000 or more — any rate by written contract, simple interest or otherwise. Separately, § 7-4-16 lets the owner of a commercial account charge up to 1 1/2 percent per month on the portion that has been due and payable for 30 days or more; the statute's text does not require a written contract rate, but Georgia courts look for the rate to be stated in the contract, agreement or invoice, or invoked before trial.
[W]here the principal involved is $3,000.00 or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money . . . .
Basis: O.C.G.A. §§ 7-4-2, 7-4-16. Compare all 51 jurisdictions in the maximum late fee by state table and cap-regime map.
Rent and invoices follow different laws — consumer debt is not covered
The Invoice tab, the rate card and the statute sections on this page are about business-to-business invoices. Residential rent late fees live in Georgia's landlord-tenant law. Georgia: O.C.G.A. §§ 44-7-1 to 44-7-119 contains no late fee provision, so there is no legal cap or waiting period to apply; only your lease terms count. Consumer credit has separate, stricter rules. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
Georgia's row — rate, cap, citation, verbatim quote, verification date — is part of our open 51-jurisdiction dataset: CSV · JSON (CC BY 4.0, cite myinvoicetemplate.com). Set late-fee terms on your next invoice with the free invoice generator, or state them clearly using the wording guidance in the payment terms guide.
Georgia late fee FAQ
Is there a legal limit on rent late fees in Georgia?
Georgia's Code chapter 44-7 on landlords and tenants contains no late fee limit, so it neither caps a late rent fee nor gives a grace period. Read in full for this check: Official Code of Georgia Annotated, Title 44, chapter 7 (Landlord and Tenant), checked 2026-09-29. The late fee and grace days in the lease decide.
How do I work out a late fee on rent in Georgia?
Enter the monthly rent, the overdue amount, the date the rent was due and the date it was paid, then the late fee in the lease (a percent of rent, a flat amount or dollars per day) and its grace days. The calculator gives the late fee, the earliest fee date and rent plus fee, and turns them into a late rent notice.
Can I charge late fees on overdue invoices in Georgia?
Yes — on business-to-business invoices. If your contract or invoice states a late-fee rate, that rate governs (subject to the cap rules below). If nothing was agreed: 7%. Legal rate on liquidated demands when no written rate; on commercial accounts, O.C.G.A. § 7-4-16 lets the owner charge up to 1 1/2 percent per month (18% a year simple) on the portion that has been due and payable for 30 days or more. Statute: O.C.G.A. §§ 7-4-2, 7-4-16, verified 2026-09-25. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Georgia?
For a written B2B contract: $3,000 or less: 16% cap. More than $3,000 and under $250,000: any rate by written contract, stated in simple interest terms. $250,000 or more: any rate by written contract, simple interest or otherwise. Basis: O.C.G.A. §§ 7-4-2, 7-4-16. The full cap analysis is on the Invoice (B2B) tab; this covers business-to-business deals only — consumer credit has stricter separate caps.
What interest applies if my contract doesn't mention late fees in Georgia?
The statutory default rate of 7%. Legal rate on liquidated demands when no written rate; on commercial accounts, O.C.G.A. § 7-4-16 lets the owner charge up to 1 1/2 percent per month (18% a year simple) on the portion that has been due and payable for 30 days or more. Statute: O.C.G.A. §§ 7-4-2, 7-4-16 (verbatim quote on this page, verified 2026-09-25).
Where does this data come from, and when was it verified?
Every invoice-interest figure on this page comes from our 51-jurisdiction dataset: each row researched against the controlling statute or the state's official current-rate page, independently re-checked, and stamped with its own verification date — Georgia's row was last verified 2026-09-25. The operative legal text is quoted verbatim on this page with a link to the official source, the methodology is public, every verification pass is logged in the changelog, and the full dataset is downloadable (CC BY 4.0).
Not legal advice. This page summarizes Georgia's commercial-interest statute for general information, with the verification date shown above — it tells you when we last confirmed the figures, not that they are still current today. Statutes change and courts interpret them; verify the cited statute at the official source, or ask a licensed attorney in your state, before charging a late fee or demanding interest.