Maryland Late Fee Calculator
Your late fee
$62.50
At the legal limit
Paid 12 days late; the lease has no grace period.
The lease asks for $62.50, exactly the most Md. Code, Real Prop. § 8-208(d)(3) permits on these figures.
- 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
- Legal maximum
- $62.50
- Rent + late fee
- $1,312.50
Limit set by Maryland (5% of the overdue rent): $62.50
5% × $1,250.00 overdue rent = $62.50
Maryland names no earliest day for a late fee in the quoted law; the earliest fee date above follows the lease's grace days.
Next step: turn these figures into a late rent notice for the tenant.
Maryland rent late fee law
Maryland: a lease clause may not charge more than 5% of the unpaid rent due for the late rental period; weekly-rent leases have their own limit in the statute, $3 a week, with a $12 monthly total.
(d) A landlord may not use a lease or form of lease containing any provision that: [...] (3) (i) Provides for a penalty for the late payment of rent in excess of 5% of the amount of unpaid rent due for the rental period for which the payment was delinquent; or (ii) In the case of leases under which the rent is paid in weekly rental installments, provides for a late penalty of more than $3 per week or a total of no more than $12 per month;
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 Maryland 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 Maryland 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, the earliest fee date and the most Md. Code, Real Prop. § 8-208(d)(3) allows, then copy the figures or print a late rent notice.
Work out interest on an overdue B2B invoice under Maryland law. The legal default rate — what applies when the contract is silent — is 6%, and the statute is quoted verbatim below. All math runs locally in your browser.
Constitutional legal rate; recoverable as of right on liquidated sums from the date payment was due.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Maryland's statute (Md. Const. art. III, § 57; Com. Law §§ 12-102, 12-103) for you.
Worked example: Maryland invoice interest at 6%
Interest at Maryland's statutory default of 6% a year, worked out with the same formula as the calculator above: amount × (6% ÷ 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 | $4.93 | $9.86 | $14.79 |
| $5,000.00 | $24.66 | $49.32 | $73.97 |
| $10,000.00 | $49.32 | $98.63 | $147.95 |
What Maryland law says about invoice interest
The Legal Rate of Interest shall be Six per cent per annum, unless otherwise provided by the General Assembly.
Quoted verbatim from the linked official source — not our paraphrase. How we source and re-check every row is documented in the data methodology.
Maximum late fee in Maryland — written B2B contracts
Hard cap 6% (8% with signed agreement).
6% binds an ordinary unpaid invoice (8% only with a signed loan agreement). Corp-loan and $15,000+ commercial-loan exemptions apply only to actual loans — a trade invoice is not a loan.
(a) (1) Except as provided in subsections (b), (c), (d), (e), and (f) of this section, a lender may charge interest at an effective rate of simple interest not in excess of 8 percent per year on the unpaid principal balance of a loan if there is a written agreement signed by the borrower which sets forth the stated rate of interest charged by the lender. [...] (e) (1) A lender may charge interest at any rate if the loan is: (i) A loan made to a corporation; (ii) A commercial loan in excess of $15,000 not secured by residential real property; or (iii) A commercial loan in excess of $75,000 secured by residential real property.
Basis: Md. Const. art. III §57; Com. Law §12-103(e). 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 Maryland's landlord-tenant law. On the Rent tab, Md. Code, Real Prop. § 8-208(d)(3) is checked against your lease figures and quoted in full. Consumer credit has separate, stricter rules. The distinction is explained in B2B invoice late fees vs. residential rent.
Use this data
Maryland'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.
Maryland late fee FAQ
Is there a legal limit on rent late fees in Maryland?
Maryland: a lease clause may not charge more than 5% of the unpaid rent due for the late rental period; weekly-rent leases have their own limit in the statute, $3 a week, with a $12 monthly total. Source: Md. Code, Real Prop. § 8-208(d)(3), checked 2026-10-03; the Rent tab quotes it word for word.
How do I work out a late fee on rent in Maryland?
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, the most Md. Code, Real Prop. § 8-208(d)(3) allows and rent plus fee, and turns them into a late rent notice.
Can I charge late fees on overdue invoices in Maryland?
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: 6%. Constitutional legal rate; recoverable as of right on liquidated sums from the date payment was due. Statute: Md. Const. art. III, § 57; Com. Law §§ 12-102, 12-103, verified 2026-08-19. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Maryland?
For a written B2B contract: 8% with a signed written agreement — but loans to corporations and commercial loans over $15,000 (unsecured by a residence) or $75,000 (secured) carry any agreed rate. Basis: Md. Const. art. III §57; Com. Law §12-103(e). 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 Maryland?
The statutory default rate of 6%. Constitutional legal rate; recoverable as of right on liquidated sums from the date payment was due. Statute: Md. Const. art. III, § 57; Com. Law §§ 12-102, 12-103 (verbatim quote on this page, verified 2026-08-19).
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 — Maryland's row was last verified 2026-08-19. 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). For rent, the Rent tab quotes Md. Code, Real Prop. § 8-208(d)(3) word for word, links its source and gives the date it was checked (2026-10-03).
Not legal advice. This page summarizes Md. Code, Real Prop. § 8-208(d)(3) and Maryland'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.