Texas Late Fee Calculator
Your late fee
$62.50
Inside the reasonable share
Paid 12 days late, after the 2-day grace period.
The lease asks for $62.50, no more than the $150.00 (12% of the rent) that § 92.019(a-1) treats as reasonable for this building.
- Days past due
- 12 days
- Grace period ends
- September 30, 2026
- Earliest fee date
- October 1, 2026
- Lease late fee
- 5% of $1,250.00 = $62.50
- Rent + late fee
- $1,312.50
Texas, earliest legal fee date: October 1, 2026
§ 92.019(a-1) treats as reasonable up to $150.00 (12% of the rent) for this building size.
Next step: turn these figures into a late rent notice for the tenant.
Texas rent late fee law
Texas sets three conditions for a late fee: a written lease must give notice of the fee, the amount must be reasonable, and some of the rent must still be unpaid two full days after the date it was originally due.
(a) A landlord may not collect from a tenant a late fee for failing to pay any portion of the tenant's rent unless: (1) notice of the fee is included in a written lease; (2) the fee is reasonable; and (3) any portion of the tenant's rent has remained unpaid two full days after the date the rent was originally due.
[...] a late fee is considered reasonable if: (1) the late fee is not more than: (A) 12 percent of the amount of rent [...] in a structure that contains not more than four dwelling units; or (B) 10 percent [...] more than four dwelling units; or (2) [...]
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 Texas 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 Texas 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.
- Pick how many dwelling units the building has.
- 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 Texas 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.
Begins accruing on the 30th day after the amount is due when the contract specifies no rate.
Late fee breakdown
- Interest owed
- —
- Daily rate
- —
- Total (invoice + interest)
- —
Still unpaid? Generate a formal demand letter — it computes the interest and cites Texas's statute (Tex. Fin. Code §§ 302.002, 303.002, 303.009) for you.
Worked example: Texas invoice interest at 6%
Interest at Texas's statutory default of 6% a year, worked out with the same formula as the calculator above: amount × (6% ÷ 365) × days, counting only the days from day 30after the due date (the first 29 days earn nothing under the cited statute). 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 | $0.16 | $5.10 | $10.03 |
| $5,000.00 | $0.82 | $25.48 | $50.14 |
| $10,000.00 | $1.64 | $50.96 | $100.27 |
What Texas law says about invoice interest
If a creditor has not agreed with an obligor to charge the obligor any interest, the creditor may charge and receive from the obligor legal interest at the rate of six percent a year on the principal amount of the credit extended beginning on the 30th day after the date on which the amount is due.
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 Texas — written B2B contracts
Hard cap 18% for Oct 5–11, 2026 (28% statutory max).
Business/commercial credit is bound by the Ch. 303 ceiling: 26-week T-bill x2, floor 18%, max 24% — lifted to 28% only if the computed rate would exceed 24%. OCCC publishes an 18.00% weekly ceiling for Oct 5–11, 2026, so 18%/yr is the published B2B ceiling for that week. Even a 'qualified commercial loan' may not exceed the applicable ceiling.
Sec. 303.002. WEEKLY CEILING. The parties to a written agreement may agree to an interest rate [...] that does not exceed the applicable weekly ceiling. [...] Sec. 303.009. [...] (a) If the rate computed for the weekly, monthly, quarterly, or annualized ceiling is less than 18 percent a year, the ceiling is 18 percent a year. [...] (c) For a contract made, extended, or renewed under which credit is extended for a business, commercial, investment, or similar purpose, the limitation on the ceilings determined by those computations is 28 percent a year.
Basis: Tex. Fin. Code §§ 303.002, 303.009(a),(c). 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 Texas's landlord-tenant law. On the Rent tab, Tex. Prop. Code § 92.019(a) 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
Texas'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.
Texas late fee FAQ
Is there a legal limit on rent late fees in Texas?
Texas sets three conditions for a late fee: a written lease must give notice of the fee, the amount must be reasonable, and some of the rent must still be unpaid two full days after the date it was originally due. Source: Tex. Prop. Code § 92.019(a), checked 2026-09-29; the Rent tab quotes it word for word.
When can a landlord charge a late fee in Texas?
Not before day 3 after the rent was due (Tex. Prop. Code § 92.019(a)). Enter the due date and the lease's grace days in the calculator to get the earliest date a fee may be charged.
How do I work out a late fee on rent in Texas?
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 Texas?
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%. Begins accruing on the 30th day after the amount is due when the contract specifies no rate. Statute: Tex. Fin. Code §§ 302.002, 303.002, 303.009, verified 2026-10-10. Consumer and rent debts follow separate laws.
What is the maximum late fee on a B2B invoice in Texas?
For a written B2B contract: Weekly ceiling (26-week T-bill x2), floor 18% / cap 24% — 28% for business credit. The computed rate is below the floor, so the published ceiling is 18% for the week of Oct 5–11, 2026 (OCCC). No exemption lets a commercial loan exceed the applicable ceiling. Basis: Tex. Fin. Code §§ 303.002, 303.009(a),(c). 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 Texas?
The statutory default rate of 6%. Begins accruing on the 30th day after the amount is due when the contract specifies no rate. Statute: Tex. Fin. Code §§ 302.002, 303.002, 303.009 (verbatim quote on this page, verified 2026-10-10).
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 — Texas's row was last verified 2026-10-10. 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 Tex. Prop. Code § 92.019(a) word for word, links its source and gives the date it was checked (2026-09-29).
Not legal advice. This page summarizes Tex. Prop. Code § 92.019(a) and Texas'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.