## Interest calculation example

For a US-NJ this interest calculation, use the verified rate from the current rule packet: **3.66%**. The verified packet cites N.J. Ct. R. 4:42-11 (https://www.njcourts.gov/notices/notice-post-judgment-interest-rate-calendar-year-2026-rule-442-11).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 3.66% = 0.0366
- Multiply principal by the rate and the day fraction.
- Example interest: **$366.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.

## Interest calculation example

For a US-NJ this interest calculation, use the verified rate from the current rule packet: **3.66%**. The verified packet cites N.J. Ct. R. 4:42-11 (https://www.njcourts.gov/notices/notice-post-judgment-interest-rate-calendar-year-2026-rule-442-11).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 3.66% = 0.0366
- Multiply principal by the rate and the day fraction.
- Example interest: **$366.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.

## Interest calculation example

For a US-NJ this interest calculation, use the verified rate from the current rule packet: **3.66%**. The verified packet cites N.J. Ct. R. 4:42-11 (https://www.njcourts.gov/notices/notice-post-judgment-interest-rate-calendar-year-2026-rule-442-11).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 3.66% = 0.0366
- Multiply principal by the rate and the day fraction.
- Example interest: **$366.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.

## Interest calculation example

For a US-NJ this interest calculation, use the verified rate from the current rule packet: **3.66%**. The verified packet cites N.J. Ct. R. 4:42-11 (https://www.njcourts.gov/notices/notice-post-judgment-interest-rate-calendar-year-2026-rule-442-11).

Example inputs:
- Principal: $10,000
- Days in calculation period: 365

Calculation:
- Convert the rate to a decimal: 3.66% = 0.0366
- Multiply principal by the rate and the day fraction.
- Example interest: **$366.00**

This example is generated from verified packet facts. Confirm compounding, judgment date, and case-specific accrual before relying on the amount.


Judgment Interest Calculator Guide for New Jersey: This DocketMath article is under primary-source review; claim-level legal values and citations are unavailable until verification is complete.

Judgment Interest Calculator Guide for New Jersey

CY 2026 AOC notice confirmed 4.5% / 6.5% with Special Civil Part ($20,000) threshold. Major surgery required: prior file contained 14+ fabricated statutory quotations including top-level flat '4%' rate, mis-citations to 2A:15-5.1/5.2/5.3 (joint-tortfeasor statutes), 2A:32-1/2 (replevin), 2A:14-1.1/1.2 (construction repose), 2A:15-1/6 (general jurisdiction), and 46:15-5.1/5.2/5.3 (realty transfer fees) — all unrelated to their purported interest-rate content.

(a) Persons empowered to bring a civil action A civil action may be brought— (1) by a participant or beneficiary— (A) for the relief provided for in subsection (c) of this section, or (B) to recover benefits due to him under the terms of his plan , to enforce his rights under the terms of the plan , or to clarify his rights to future benefits under the terms of the plan ; (2) by the Secretary , or by a participant , beneficiary or fiduciary for appropriate relief under section 1109 of this title ;

The interest or earnings paid thereon by the investment company, State or federally chartered bank, savings bank or savings and loan association, shall belong to the person making the deposit or advance and shall be paid to the tenant in cash, or be credited toward the payment of rent due on the renewal or anniversary of said tenant's lease or on January 31, if the tenant has been given written notice after the effective date of P.L.2003, c.188 and before the next anniversary of the tenant's lease, that subsequent interest payments will be made on January 31 of each year.

Post-judgment interest is governed by R. 4:42-11(a). The AOC sets the rate annually based on the average rate of return of the NJ Cash Management Fund for the fiscal year ending August 31; the rate for amounts exceeding the Special Civil Part monetary limit is that average plus 2 percentage points.

Pursuant to Rule 4:42-11(a)(ii), the post-judgment annual rate of interest for judgments not exceeding the monetary limit of the Special Civil Part at the time of entry for calendar year 2026 (commencing January 1, 2026) will be 4.5%. Pursuant to Rule 4:42-11(a)(iii), the post-judgment annual rate of interest for judgments exceeding the monetary limit of the Special Civil Part at the time of entry for calendar year 2026 (commencing January 1, 2026) will be 6.5%.

(a) Except as herein and otherwise provided by law, no person shall, upon contract, take, directly or indirectly for loan of any money, wares, merchandise, goods and chattels, above the value of $6.00 for the forbearance of $100.00 for a year, or when there is a written contract specifying a rate of interest, no person shall take above the value of $16.00 for the forbearance of $100.00 for a year.

Except where provided by statute with respect to a public entity or employee, and except as otherwise provided by law, the court shall, in tort actions, including products liability actions, include in the judgment simple interest, calculated as hereinafter provided, from the date of the institution of the action or from a date 6 months after the date the cause of action arises, whichever is later, provided that in exceptional cases the court may suspend the running of such prejudgment interest.

The governing body may also fix the rate of interest to be charged for the nonpayment of taxes, assessments, or other municipal liens or charges, unless otherwise provided by law, on or before the date when they would become delinquent, and may provide that no interest shall be charged if payment of any installment is made within the tenth calendar day following the date upon which the same became payable. The rate so fixed shall not exceed 8% per annum on the first $1,500.00 of the delinquency and 18% per annum on any amount in excess of $1,500.00, to be calculated from the date the tax was payable until the date that actual payment to the tax collector is made.

a. (1) Invest that money in shares of an insured money market fund established by an investment company based in this State and registered under the "Investment Company Act of 1940," 54 Stat. 789 (15 U.S.C.s.80a-1 et seq.) whose shares are registered under the "Securities Act of 1933," 48 Stat. 74 (15 U.S.C.s.77a. et seq.) and the only investments of which fund are instruments maturing in one year or less, or (2) deposit that money in a State or federally chartered bank, savings bank or savings and loan association in this State insured by an agency of the federal government in an account bearing a variable rate of interest, which shall be established at least quarterly, which is similar to the average rate of interest on active interest-bearing money market transaction accounts paid by the bank or association, or equal to similar accounts of an investment company described in paragraph (1) of this subsection.

Except as otherwise ordered by the court or provided by law, judgments, awards, and orders for the payment of money, taxed costs, and counsel fees shall bear simple interest... at the average rate of return, to the nearest whole or one-half percent, for the corresponding preceding fiscal year terminating on August 31, of the State of New Jersey Cash Management Fund... provided that the rate for any amount of a judgment, award, or order in excess of the monetary limit of the Special Civil Part at the time of entry shall be 2% per annum in addition to such average rate of return.

For New Jersey calendar year 2026, postjudgment interest under Rule 4:42-11(a) is 4.5% at or below the Special Civil Part monetary limit and 6.5% above it. Tort prejudgment interest after January 1, 1988 uses the same rates as postjudgment interest.

interest in US-NJ is governed by N.J. Ct. R. 4:42-11.