Count it, check it, write it.

It counts from the day after the start date — so if the period begins on 1 October and you have 30 days, the last day is 31 October. In calendar-day mode every day counts, including weekends. In working-day mode it skips Saturdays and Sundays. If you also enable the UK holidays toggle, England & Wales bank holidays are skipped too. The official rules for your matter may differ — check the relevant legislation or court rules before relying on any result. The Civil Procedure Rules set out how time is counted for most civil claims, and GOV.UK bank holidays lists the official England & Wales holiday dates.

It depends on your situation. If your contract specifies a rate, use that. If not, and the debt is a commercial debt, the Late Payment of Commercial Debts (Interest) Act 1998 sets the statutory rate at 8% per year above the Bank of England base rate — click "Statutory" in the tool to apply it. For consumer debts the rate is often set by the County Courts Act 1984 at 8% per year. The Bank of England publishes the current base rate if you need to calculate a rate that tracks it.

No. Every calculation runs entirely in your browser using JavaScript. No data is sent to any server and nothing is logged. When you close or refresh the tab, all inputs are gone. The tool does not use cookies or local storage. You can verify this by opening your browser's network tab while using a tool — you will see no outbound requests. This approach follows the guidance from the ICO on data minimisation and the principle of privacy by design under UK GDPR (Data Protection Act 2018).

The tools give you a working figure to help you understand your position — they are not a legal ruling. Courts and tribunals apply specific counting rules set out in the Civil Procedure Rules, and interest calculations may be subject to discretion. Always verify the figure against the actual rule that applies to your claim. For formal correspondence, Citizens Advice has plain-English guidance on what a letter of claim should include, and The Law Society's Find a Solicitor tool can help you locate a qualified lawyer.

A limitation period (also called a statute of limitations) is the window of time in which you must start legal proceedings — once it expires, you generally lose the right to sue, regardless of how strong your case is. For most contract claims in England & Wales the period is six years under the Limitation Act 1980. Personal injury claims are usually three years. Some specialist claims have different periods. The deadline calculator on this page can help you count the days, but always verify against the specific limitation rule for your claim type. The Judiciary of England and Wales and legislation.gov.uk are the authoritative sources.

For commercial debts in England and Wales, the Late Payment of Commercial Debts (Interest) Act 1998, s.6 sets the statutory interest rate at 8 percentage points above the Bank of England base rate. With the base rate at 5.5% (as of October 2026), the statutory rate is 13.5% per year. Use the interest calculator above: enter the debt amount, the date it became overdue, and select "Statutory". The tool applies the formula automatically. You can also claim a fixed compensation amount (£40–£100 depending on the debt size) on top of the interest.

Each tool shows its source next to the result. The deadline calculator follows the day-counting method in CPR Part 2.8. The interest calculator uses the formula in the Late Payment of Commercial Debts (Interest) Act 1998, s.6. Official texts are published on legislation.gov.uk and procedure rules on the Ministry of Justice website. If the official text conflicts with what the tool says, the official text prevails.