Judgment Interest Calculator Guide for Texas
5 min read
Published December 21, 2025 • Updated May 12, 2026 • By DocketMath Team
Trust release 4
This page has legal or numeric text that still needs claim-level inventory before we can treat it as verified.
Texas interest rules
This source-backed guide covers Texas judgment, postjudgment, prejudgment, current postjudgment rate, and no-agreed-rate legal interest rules. It certifies only the quoted source-backed rules below; related interest categories remain outside this page unless they are expressly listed in the receipt.
Judgment interest formula
For Texas money judgments not governed by a contract rate under section 304.002, section 304.003 uses the prime rate computed monthly by the consumer credit commissioner, with a five-percent floor and fifteen-percent cap.
Tex. Fin. Code § 304.003. Sec. 304.003. JUDGMENT INTEREST RATE: INTEREST RATE OR TIME PRICE DIFFERENTIAL NOT IN CONTRACT. (a) A money judgment of a court of this state to which Section 304.002 does not apply, including court costs awarded in the judgment and prejudgment interest, if any, earns postjudgment interest at the rate determined under this section. (b) On the 15th day of each month, the consumer credit commissioner shall determine the postjudgment interest rate to be applied to a money judgment rendered during the succeeding calendar month. (c) The postjudgment interest rate is: (1) the prime rate as published by the Board of Governors of the Federal Reserve System on the date of computation; (2) five percent a year if the prime rate as published by the Board of Governors of the Federal Reserve System described by Subdivision (1) is less than five percent; or (3) 15 percent a year if the prime rate as published by the Board of Governors of the Federal Reserve System described by Subdivision (1) is more than 15 percent.
Current published postjudgment rate
For May 2026, the Texas Office of Consumer Credit Commissioner publishes a 6.75% postjudgment interest rate.
Texas OCCC Current Rates. Postjudgment Interest Rate: 6.75% May 2026 Weekly Ceiling: 18.00% 05/04/26-05/10/26 Monthly Ceiling: 18.00% for the month of May
Postjudgment accrual and compounding
Texas postjudgment interest generally accrues from the date the judgment is rendered until the date the judgment is satisfied, with an appellate-brief-extension exception, and postjudgment interest compounds annually.
Tex. Fin. Code §§ 304.005-.006. Sec. 304.005. ACCRUAL OF JUDGMENT INTEREST. (a) Except as provided by Subsection (b), postjudgment interest on a money judgment of a court in this state accrues during the period beginning on the date the judgment is rendered and ending on the date the judgment is satisfied. (b) If a case is appealed and a motion for extension of time to file a brief is granted for a party who was a claimant at trial, interest does not accrue for the period of extension. Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999. Sec. 304.006. COMPOUNDING OF JUDGMENT INTEREST. Postjudgment interest on a judgment of a court in this state compounds annually.
Prejudgment interest in injury and property-damage cases
For wrongful-death, personal-injury, and property-damage cases, Texas prejudgment interest equals the postjudgment rate applicable at judgment, accrues from the earlier of 180 days after written claim notice or suit filing through the day before judgment, and is simple interest.
Tex. Fin. Code §§ 304.103-.104. Sec. 304.103. PREJUDGMENT INTEREST RATE FOR WRONGFUL DEATH, PERSONAL INJURY, OR PROPERTY DAMAGE CASE. The prejudgment interest rate is equal to the postjudgment interest rate applicable at the time of judgment. Amended by Acts 1999, 76th Leg., ch. 62, Sec. 7.18(a), eff. Sept. 1, 1999. Sec. 304.104. ACCRUAL OF PREJUDGMENT INTEREST. Except as provided by Section 304.105 or 304.108, prejudgment interest accrues on the amount of a judgment during the period beginning on the earlier of the 180th day after the date the defendant receives written notice of a claim or the date the suit is filed and ending on the day preceding the date judgment is rendered. Prejudgment interest is computed as simple interest and does not compound.
Legal interest when no rate is agreed
When no interest rate has been agreed, Texas allows six-percent annual legal interest on the principal amount beginning on the 30th day after the amount is due.
Tex. Fin. Code § 302.002. Sec. 302.002. ACCRUAL OF INTEREST WHEN NO RATE SPECIFIED. 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. If an obligor has agreed to pay to a creditor any compensation that constitutes interest, the obligor is considered to have agreed on the rate produced by the amount of that interest, regardless of whether that rate is stated in the agreement.
Not certified by this page
- This receipt does not certify Texas ERISA interest, federal default postjudgment interest, escrow interest, residential security-deposit interest, tax interest, insurance prompt-pay penalty interest, usury-ceiling calculations, contract-rate rules, or case-law exceptions outside the quoted sources.
Use the calculator
DocketMath's interest calculator can model interest scenarios once you identify the controlling jurisdiction, amount, rate type, and accrual date. Use the source panel for the verified source-backed rule.
Sources
All sources are official primary law published by tcss.legis.texas.gov, occc.texas.gov.
Corroboration method: Official Texas Legislature resource HTML plus the official Texas Office of Consumer Credit Commissioner current-rate publication.