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
- October 20, 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.
Late rent notice builder
[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]
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
Interest at 7% a year
| 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 |
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.
Maximum late fee in Georgia — written B2B contracts
Conditional cap 16% (principal $3,000 or less).
Basis: O.C.G.A. §§ 7-4-2, 7-4-16.
About this page
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 .
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 Georgia has its own rules for it. Nothing on this page is legal advice.
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.
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 . . . .
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.
Not legal advice. Figures were last verified on the date shown; check the cited statute before charging a late fee.