Texas Late Fee Calculator

Reasonable the fee must be reasonable; a share of the rent counts as reasonable
Rent limit
Reasonable; 12% of rent (4 or fewer units) or 10% of rent (more than 4 units) treated as reasonable
Earliest fee day
Day 3 after the due date
Statute
Tex. Prop. Code § 92.019(a)
Checked
What was not paid on time. Copies the rent until you type here.
How the lease sets the late fee
Texas lets a fee start on day 3, so this box starts at 2 days; typing less will not move that day.

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
October 21, 2026
Earliest fee date
October 22, 2026
Lease late fee
5% of $1,250.00 = $62.50
Rent + late fee
$1,312.50

Texas, earliest legal fee date: October 22, 2026

§ 92.019(a-1) treats as reasonable up to $150.00 (12% of the rent) for this building size.

Late rent notice builder

Who it is from and to
Amounts
Taken from the calculator. Set 0 if the rent itself is paid.
Taken from the result; you may change it.
Adds the two above until you type your own figure.
Blank: the letter asks for payment at the earliest opportunity.
Payment and contact
Where and how the tenant can pay.
Late rent notice

[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]

6% legal default rate (contract silent)
Max written B2B rate
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 19–25, 2026 (OCCC). No exemption lets a commercial loan exceed the applicable ceiling.
Cap regime
Hard cap — 18% for Oct 19–25, 2026 (28% statutory max)
Statute
Tex. Fin. Code §§ 302.002, 303.002, 303.009
Written-cap ceiling source
18.00% weekly ceiling (Oct 19–25, 2026)
Verified
— how we verify · changelog

Begins accruing on the 30th day after the amount is due when the contract specifies no rate.

Pre-filled with Texas's statutory default (6%), which governs only when the contract names no rate; a rate stated in your contract replaces it. Per the cited statute, interest begins with day 30 after the due date; the first 29 days are subtracted automatically.

Interest at 6% a year

Interest counts from day 30 after the due date.

Interest owed on an overdue invoice in Texas at 6% per year
Invoice amount30 days late60 days late90 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

Maximum late fee in Texas — written B2B contracts

Hard cap 18% for Oct 19–25, 2026 (28% statutory max).

Basis: Tex. Fin. Code §§ 303.002, 303.009(a),(c).

About this page

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.
— Tex. Prop. Code § 92.019(a). Read it at the official source · checked .
[...] 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) [...]
— Tex. Prop. Code § 92.019(a-1). Read it at the official source · 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 Texas has its own rules for it. Nothing on this page is legal advice.

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.
— Tex. Fin. Code § 302.002. Read it at the official source · row verified 2026-10-30.

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 19–25, 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.
— Tex. Fin. Code §§ 303.002, 303.009(a), (c). Read it at the official source · verified .

Not legal advice. Figures were last verified on the date shown; check the cited statute before charging a late fee.