Missouri 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
Missouri: RSMo chapters 441 and 535 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.
Missouri rent late fee law
Missouri's Revised Statutes chapters on landlord and tenant (441) and on landlord-tenant actions (535) contain no late fee provision, so they neither cap a late rent fee nor give a grace period.
Read in full for this check: Revised Statutes of Missouri, chapter 441 (Landlord and Tenant) and chapter 535 (Landlord-Tenant Actions). 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 Missouri 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 Missouri 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 Missouri law. The legal default rate — what applies when the contract is silent — is 9%, and the statute is quoted verbatim below. All math runs locally in your browser.
On written contracts, from the due date; on open accounts, after the debt is due AND payment has been demanded.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Missouri's statute (RSMo 408.020, 408.030, 408.035) for you.
Worked example: Missouri invoice interest at 9%
Interest at Missouri's statutory default of 9% a year, worked out with the same formula as the calculator above: amount × (9% ÷ 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 | $7.40 | $14.79 | $22.19 |
| $5,000.00 | $36.99 | $73.97 | $110.96 |
| $10,000.00 | $73.97 | $147.95 | $221.92 |
What Missouri law says about invoice interest
Notwithstanding the provisions of any other law to the contrary, it is lawful for the parties to agree in writing to any rate of interest, fees, and other terms and conditions in connection with any: (1) Loan to a corporation, general partnership, limited partnership or limited liability company; (2) Extension of credit primarily for agricultural, business, or commercial purposes;
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 Missouri — written B2B contracts
No statutory cap
RSMo 408.035 lets parties agree in writing to any rate of interest and fees on a loan to a corporation, general partnership, limited partnership or LLC (1) and on any extension of credit primarily for agricultural, business or commercial purposes (2) — no dollar minimum, so B2B trade credit is outside the 10% ceiling regardless of amount or of whether the debtor is an entity or a sole proprietor. The exemption requires a written agreement; with no writing, the 9% default under 408.020 applies.
Basis: RSMo 408.035(1)-(2). 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 Missouri's landlord-tenant law. Missouri: RSMo chapters 441 and 535 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
Missouri'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.
Missouri late fee FAQ
Is there a legal limit on rent late fees in Missouri?
Missouri's Revised Statutes chapters on landlord and tenant (441) and on landlord-tenant actions (535) contain no late fee provision, so they neither cap a late rent fee nor give a grace period. Read in full for this check: Revised Statutes of Missouri, chapter 441 (Landlord and Tenant) and chapter 535 (Landlord-Tenant Actions), checked 2026-10-03. The late fee and grace days in the lease decide.
How do I work out a late fee on rent in Missouri?
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 Missouri?
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: 9%. On written contracts, from the due date; on open accounts, after the debt is due AND payment has been demanded. Statute: RSMo 408.020, 408.030, 408.035, verified 2026-08-19. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Missouri?
For a written B2B contract: 10% cap (or the market rate the Division of Finance publishes each quarter under RSMo 408.030, if higher). Exempt: loans to corporations/partnerships/LLCs and any extension of credit primarily for agricultural, business, or commercial purposes (no dollar minimum) — any agreed written rate. Basis: RSMo 408.035(1)-(2). 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 Missouri?
The statutory default rate of 9%. On written contracts, from the due date; on open accounts, after the debt is due AND payment has been demanded. Statute: RSMo 408.020, 408.030, 408.035 (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 — Missouri'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).
Not legal advice. This page summarizes Missouri'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.