{"id":461,"date":"2026-03-20T15:07:05","date_gmt":"2026-03-20T14:07:05","guid":{"rendered":"https:\/\/www.livros-kancelaria.pl\/blog\/?p=461"},"modified":"2026-03-20T15:25:11","modified_gmt":"2026-03-20T14:25:11","slug":"kalkulator-odsetek-ustawowych","status":"publish","type":"post","link":"https:\/\/www.livros-kancelaria.pl\/blog\/kalkulator-odsetek-ustawowych\/","title":{"rendered":"Kalkulator odsetek ustawowych"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Zapraszamy do korzystania z poni\u017cszego kalkulatora. Umo\u017cliwia on liczenie trzech rodzaj\u00f3w odsetek: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>odsetek ustawowych za op\u00f3\u017anienie,<\/li>\n\n\n\n<li>odsetek ustawowych za op\u00f3\u017anienie w transakcjach handlowych (dla d\u0142u\u017cnik\u00f3w innych ni\u017c publiczny podmiot leczniczy),<\/li>\n\n\n\n<li>odsetek w\u0142asnych (na podstawie wskazanej stopy rocznej).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Kalkulator dzi\u0119ki przyciskowi &#8222;<strong>Dodaj wiersz<\/strong>&#8221; umo\u017cliwia obliczanie odsetek dla zaleg\u0142o\u015bci z r\u00f3\u017cnych \u017ar\u00f3de\u0142 (np. z kilku r\u00f3\u017cnych faktur), a dzi\u0119ki przyciskowi &#8222;<strong>Generuj link<\/strong>&#8221; umo\u017cliwia generowanie adresu URL, za pomoc\u0105 kt\u00f3rego mo\u017cna wr\u00f3ci\u0107 do oblicze\u0144 bez potrzeby ponownego wprowadzania danych. Link mo\u017cna zapisa\u0107 na w\u0142asne potrzeby lub przes\u0142a\u0107 kontrahentowi (cho\u0107 z uwagi na jego d\u0142ugo\u015b\u0107 zaleca si\u0119 skorzystanie z serwisu do skracania link\u00f3w, np. <a href=\"https:\/\/tiny.pl\/\">https:\/\/tiny.pl\/<\/a>).<\/p>\n\n\n\n<div id=\"kalkulator-odsetek\" style=\"font-family:Arial;max-width:1100px;margin:auto\">\n\n<style>\n.entry {\n  border-bottom:1px solid #ddd;\n  padding:15px 0;\n  margin-bottom:10px;\n}\n\n.row-top {\n  display:grid;\n  grid-template-columns: 220px 1fr;\n  gap:10px;\n  margin-bottom:8px;\n}\n\n.row-bottom {\n  display:grid;\n  grid-template-columns: 140px 180px 180px 120px;\n  gap:10px;\n}\n\ninput, select {\n  padding:6px;\n  width:100%;\n}\n\n.small { font-size:12px; color:#666; }\n\n.resultBox {\n  margin-top:10px;\n  font-size:14px;\n}\n\n.notice { color:#b00; font-size:12px; }\n\nbutton { padding:8px 14px; margin-right:10px; cursor:pointer; }\n\n.summary { margin-top:20px; font-size:18px; }\n\n.details-toggle {\n  color:#0066cc;\n  cursor:pointer;\n  margin-top:5px;\n  display:inline-block;\n}\n\n.details-content {\n  display:none;\n  margin-top:10px;\n  font-size:13px;\n  background:#fafafa;\n  padding:10px;\n  border-radius:5px;\n}\n<\/style>\n\n<div id=\"rows\"><\/div>\n\n<button onclick=\"addRow()\">+ Dodaj wiersz<\/button>\n<button onclick=\"calculate()\">Oblicz<\/button>\n<button onclick=\"generateLink()\">Generuj link<\/button>\n<div id=\"linkOutput\" style=\"margin-top:10px; word-break:break-all; font-size:14px;\"><\/div>\n\n<div class=\"summary\">\n  <div>Suma odsetek: <strong id=\"total\">0.00<\/strong> PLN<\/div>\n  <div>Suma nale\u017cno\u015bci g\u0142\u00f3wnych: <strong id=\"principalTotal\">0.00<\/strong> PLN<\/div>\n  <div>Suma nale\u017cno\u015bci g\u0142\u00f3wnych oraz odsetek: <strong id=\"grandTotal\">0.00<\/strong> PLN<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Dodatkowe obja\u015bnienia:<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odsetki ustawowe za op\u00f3\u017anienie to odsetki, o kt\u00f3rych mowa w art. 481 \u00a7 2 Kodeku cywilnego; odsetki te s\u0105 r\u00f3wne sumie stopy referencyjnej Narodowego Banku Polskiego i 5,5 punkt\u00f3w procentowych.<br>Odsetki ustawowe za op\u00f3\u017anienie w transakcjach handlowych to odsetki, o kt\u00f3rych mowa w art. 4 pkt 3 lit. b ustawy z dnia 8 marca 2013 r. o przeciwdzia\u0142aniu nadmiernym op\u00f3\u017anieniom w transakcjach handlowych; kalkulator uwzgl\u0119dnia wy\u0142\u0105cznie stop\u0119 odsetek liczon\u0105 wobec podmiot\u00f3w innych ni\u017c publiczny podmiot leczniczy; odsetki te s\u0105 r\u00f3wne sumie stopy referencyjnej Narodowego Banku Polskiego i 10 punkt\u00f3w procentowych.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Odsetki naliczane s\u0105 od dnia nast\u0119puj\u0105cego po terminie p\u0142atno\u015bci.<br>Kalkulator automatycznie przesuwa termin p\u0142atno\u015bci, je\u015bli wypada on w sobot\u0119, niedziel\u0119 lub dzie\u0144 ustawowo wolny od pracy.<br>Kalkulator dokonuje zaokr\u0105glenia ko\u0144cowego wyniku do dw\u00f3ch miejsc po przecinku.<br>Kalkulator ustala wysoko\u015b\u0107 stawki dziennej odsetek przy uwzgl\u0119dnieniu, \u017ce rok ma 365 dni.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Wysoko\u015b\u0107 odsetek ustawowych za op\u00f3\u017anienie \u2013 tabela:<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Lp.<\/td><td>Od<\/td><td>Do<\/td><td>Roczna stopa procentowa<\/td><\/tr><tr><td>1<\/td><td>01.01.2016<\/td><td>17.03.2020<\/td><td>7,00%<\/td><\/tr><tr><td>2<\/td><td>18.03.2020<\/td><td>08.04.2020<\/td><td>6,50%<\/td><\/tr><tr><td>3<\/td><td>09.04.2020<\/td><td>28.05.2020<\/td><td>6,00%<\/td><\/tr><tr><td>4<\/td><td>29.05.2020<\/td><td>06.10.2021<\/td><td>5,60%<\/td><\/tr><tr><td>5<\/td><td>07.10.2021<\/td><td>03.11.2021<\/td><td>6,00%<\/td><\/tr><tr><td>6<\/td><td>04.11.2021<\/td><td>08.12.2021<\/td><td>6,75%<\/td><\/tr><tr><td>7<\/td><td>09.12.2021<\/td><td>04.01.2022<\/td><td>7,25%<\/td><\/tr><tr><td>8<\/td><td>05.01.2022<\/td><td>08.02.2022<\/td><td>7,75%<\/td><\/tr><tr><td>9<\/td><td>09.02.2022<\/td><td>08.03.2022<\/td><td>8,25%<\/td><\/tr><tr><td>10<\/td><td>09.03.2022<\/td><td>06.04.2022<\/td><td>9,00%<\/td><\/tr><tr><td>11<\/td><td>07.04.2022<\/td><td>05.05.2022<\/td><td>10,00%<\/td><\/tr><tr><td>12<\/td><td>06.05.2022<\/td><td>08.06.2022<\/td><td>10,75%<\/td><\/tr><tr><td>13<\/td><td>09.06.2022<\/td><td>07.07.2022<\/td><td>11,50%<\/td><\/tr><tr><td>14<\/td><td>08.07.2022<\/td><td>07.09.2022<\/td><td>12,00%<\/td><\/tr><tr><td>15<\/td><td>08.09.2022<\/td><td>06.09.2023<\/td><td>12,25%<\/td><\/tr><tr><td>16<\/td><td>07.09.2023<\/td><td>04.10.2023<\/td><td>11,50%<\/td><\/tr><tr><td>17<\/td><td>05.10.2023<\/td><td>07.05.2025<\/td><td>11,25%<\/td><\/tr><tr><td>18<\/td><td>08.05.2025<\/td><td>02.07.2025<\/td><td>10,75%<\/td><\/tr><tr><td>19<\/td><td>03.07.2025<\/td><td>03.09.2025<\/td><td>10,50%<\/td><\/tr><tr><td>20<\/td><td>04.09.2025<\/td><td>08.10.2025<\/td><td>10,25%<\/td><\/tr><tr><td>21<\/td><td>09.10.2025<\/td><td>05.11.2025<\/td><td>10,00%<\/td><\/tr><tr><td>22<\/td><td>06.11.2025<\/td><td>03.12.2025<\/td><td>9,75%<\/td><\/tr><tr><td>23<\/td><td>04.12.2025<\/td><td>04.03.2026<\/td><td>9,50%<\/td><\/tr><tr><td>24<\/td><td>05.03.2026<\/td><td>obecnie<\/td><td>9,25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Wysoko\u015b\u0107 odsetek ustawowych za op\u00f3\u017anienie w transakcjach handlowych \u2013 tabela:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">(dotyczy d\u0142u\u017cnik\u00f3w innych ni\u017c publiczny podmiot leczniczy)<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Lp.<\/td><td>Od<\/td><td>Do<\/td><td>Roczna stopa procentowa<\/td><\/tr><tr><td>1<\/td><td>03.01.2016<\/td><td>31.12.2019<\/td><td>9,50%<\/td><\/tr><tr><td>2<\/td><td>01.01.2020<\/td><td>30.06.2020<\/td><td>11,50%<\/td><\/tr><tr><td>3<\/td><td>01.07.2020<\/td><td>31.12.2021<\/td><td>10,10%<\/td><\/tr><tr><td>4<\/td><td>01.01.2022<\/td><td>30.06.2022<\/td><td>11,75%<\/td><\/tr><tr><td>5<\/td><td>01.07.2022<\/td><td>31.12.2022<\/td><td>16,00%<\/td><\/tr><tr><td>6<\/td><td>01.01.2023<\/td><td>31.12.2023<\/td><td>16,75%<\/td><\/tr><tr><td>7<\/td><td>01.01.2024<\/td><td>30.06.2025<\/td><td>15,75%<\/td><\/tr><tr><td>8<\/td><td>01.07.2025<\/td><td>31.12.2025<\/td><td>15,25%<\/td><\/tr><tr><td>9<\/td><td>01.01.2026<\/td><td>obecnie<\/td><td>14,00%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Dok\u0142adamy stara\u0144, aby dane zawarte w kalkulatorze by\u0142y aktualne. Data ostatniej aktualizacji danych w kalkulatorze: 20 marca 2026 roku. W przypadku zauwa\u017cenia braku najnowszych danych, prosimy o kontakt z kancelari\u0105.<\/p>\n\n\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f82-o1\" lang=\"pl-PL\" dir=\"ltr\" data-wpcf7-id=\"82\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/blog\/wp-json\/wp\/v2\/posts\/461#wpcf7-f82-o1\" method=\"post\" class=\"wpcf7-form init cf7skins cf7s-pina-colada\" aria-label=\"Formularz kontaktowy\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"82\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"pl_PL\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f82-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/>\n<\/fieldset>\n<b>Potrzebujesz konsultacji z radc\u0105 prawnym?<\/b><br>\nSkorzystaj z naszych us\u0142ug \u2013 skontaktuj si\u0119 z nami!<br><br>\n\n<b>Zadzwo\u0144 do nas:<\/b><br>\n\ud83d\udcde <a href=\"tel:48452808508\"><b>(+48) 452 808 508<\/b><\/a><br><br>\n\n<b>Lub wype\u0142nij poni\u017cszy formularz:<\/a><br>\n<fieldset>\n\t<legend>Formularz kontaktowy<\/legend>\n\t<ol>\n\t\t<li><label for=''>Imi\u0119 i nazwisko <em class=\"cf7s-reqd\">*<\/em> <\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"imie-nazwisko\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"text\" name=\"imie-nazwisko\" \/><\/span><\/li>\n\t\t<li><label for=''>Tw\u00f3j adres e-mail <em class=\"cf7s-reqd\">*<\/em> <\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"twoj-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"email\" name=\"twoj-email\" \/><\/span><\/li>\n\t\t<li><label for=''>Tw\u00f3j numer telefonu <em class=\"cf7s-reqd\">*<\/em> <\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"twoj-telefon\"><input size=\"40\" maxlength=\"400\" minlength=\"9\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel\" aria-required=\"true\" aria-invalid=\"false\" value=\"\" type=\"tel\" name=\"twoj-telefon\" \/><\/span><\/li>\n\t\t<li><label for=''>Temat <em class=\"cf7s-reqd\">*<\/em> <\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"twoj-temat\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" value=\"Zapytanie w sprawie...\" type=\"text\" name=\"twoj-temat\" \/><\/span><\/li>\n\t\t<li><label for=''>Twoja wiadomo\u015b\u0107 <em class=\"cf7s-reqd\">*<\/em> <\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"twoja-wiadomosc\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" name=\"twoja-wiadomosc\">Dzie\u0144 dobry, mam nast\u0119puj\u0105cy problem prawny: ...<\/textarea><\/span><\/li>\n\t\t<li><label for=''><\/label><span class=\"wpcf7-form-control-wrap\" data-name=\"zgoda-rodo\"><span class=\"wpcf7-form-control wpcf7-acceptance\"><span class=\"wpcf7-list-item\"><label><input type=\"checkbox\" name=\"zgoda-rodo\" value=\"1\" aria-invalid=\"false\" \/><span class=\"wpcf7-list-item-label\">Wyra\u017cam zgod\u0119 na przetwarzanie moich danych osobowych przez LIVROS Kancelaria Radcy Prawnego Dariusz Jarmoc (ul. Wyszy\u0144skiego 2\/1 lok. 114, 15-888 Bia\u0142ystok; NIP: 5423068657) w celu udzielenia mi pomocy prawnej (realizacji mojego zapytania), zgodnie z zasadami wymienionymi w art. 5-6 rozporz\u0105dzenia RODO i art. 3 ustawy z 6 lipca 1982 r. o radcach prawnych (t.j.: Dz.U. z 2024 r. poz. 499, ze zm.). <\/label><\/span><\/label><\/span><\/span><\/span><\/li>\n\t<\/ol>\n<\/fieldset>\n\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Wy\u015blij\" \/><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><em>Autor artyku\u0142u:<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zapraszamy do korzystania z poni\u017cszego kalkulatora. Umo\u017cliwia on liczenie trzech rodzaj\u00f3w odsetek: Kalkulator dzi\u0119ki przyciskowi &#8222;Dodaj wiersz&#8221; umo\u017cliwia obliczanie odsetek dla zaleg\u0142o\u015bci z r\u00f3\u017cnych \u017ar\u00f3de\u0142 (np. z kilku r\u00f3\u017cnych faktur), &hellip; <\/p>\n","protected":false},"author":1,"featured_media":480,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"iawp_total_views":43,"footnotes":""},"categories":[1],"tags":[119],"class_list":["post-461","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prawo-ogolne","tag-kalkulator","has-meta has-sticky-meta"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kalkulator odsetek ustawowych - LIVROS Kancelaria Radcy Prawnego Dariusz Jarmoc<\/title>\n<meta name=\"description\" content=\"Kalkulator odsetek ustawowych za op\u00f3\u017anienie \u2013 zwyk\u0142ych oraz w transakcjach handlowych. 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