EU Directive 2011/7/EU · 27 member states

Reclaim the late-payment interest and €40 fee your business is legally owed.

Enter your overdue B2B invoices. Duenote computes statutory interest period by period, adds the €40 statutory fee per invoice, and writes a ready-to-send formal demand letter — in seconds.

No account, no subscription Letter in EN · FR · DE GDPR · EU-hosted
Example claim
Total you can claim
2 623,42 €
Invoice of 2 500 € · 120 days overdue
Outstanding principal2 500,00 €
Late-payment interest (10.15%)83,42 €
Statutory recovery fee40,00 €
PDF + a formal demand letter, ready to send

How it works

Three steps from an unpaid invoice to a defensible claim and a letter on the debtor's desk.

1 · Enter your invoices

Amount, due date, and (optionally) the date it was finally paid. Add as many overdue invoices as you like, in any EU currency.

2 · See your claim, live

Statutory interest is computed half-year by half-year at the official ECB reference rate + 8 points, plus the €40 fee per invoice — instantly, as you type.

3 · Send the demand letter

Download a professional PDF demand letter (EN/FR/DE) citing the directive and your country's law — ready to email or post to the debtor.

Calculate what you're owed

Everything runs in your browser session. We never store your invoice data.

Your claim
Parties
Overdue invoices
Interest settings

Statutory rates use the official ECB reference rate per half-year (e.g. H1 2026: 2.15% + 8 = 10.15%). Confirm the exact rate for your period before sending.

Live calculation
Total amount you can claim
Principal Interest €40 fees
Add an invoice amount and due date to see your claim.
Demand letter
Interest statement
Your document preview appears here.
€6.90
1 demand letter (PDF)
€14.90
Pack of 5

The preview PDF carries a SPECIMEN watermark. The clean, ready-to-send PDF is delivered after payment.

Why Duenote beats a free calculator

Most online tools stop at a number. Duenote takes you all the way to a letter you can send.

A letter, not just a number

A formal demand letter citing the directive and your country's transposition — ready to send today.

Period-accurate interest

Interest is split half-year by half-year, each with its own ECB reference rate — not a flat rate that distorts your claim.

The €40 most people forget

The statutory €40 fixed recovery fee is added automatically for every overdue invoice, per Article 6.

Multilingual & cross-border

Generate the letter in English, French or German — built for chasing a debtor in another member state.

No account, no subscription

Pay per letter. Nothing to install, no monthly fee, no sign-up. Your data is processed ephemerally.

EU-hosted, GDPR-friendly

Runs on EU infrastructure (Hetzner, Germany). No tracking, no resale of your data.

Free calculator vs. Duenote

A typical free calculator

  • Gives you a single number, nothing to send.
  • Uses one flat rate, even across rate changes.
  • Single country, single language, often forgets the €40.

Duenote

  • Delivers a ready-to-send formal demand letter (PDF).
  • Splits interest by half-year at each period's ECB rate.
  • EN/FR/DE, 8 national references, €40 added automatically.

Frequently asked questions

Am I really entitled to interest and €40 without a contract clause?
Yes. Under Directive 2011/7/EU, in B2B transactions interest and the €40 fixed recovery compensation are due automatically once payment is late — no prior reminder or specific contract clause is required.
How is the interest rate determined?
The statutory rate is the ECB reference rate in force on the first day of the relevant half-year, plus a margin of at least 8 percentage points. Duenote applies the correct rate to each half-year your invoice was overdue.
Is this legal advice?
No. Duenote is an automated tool that computes statutory entitlements and drafts documents. It is not a law firm. For contested or complex matters, consult a qualified lawyer.
What happens to my data?
Your invoice and party details are used only to compute your claim and generate your PDF. They are processed in memory for the request and are not stored, profiled or sold. Hosting is in the EU.

Stop leaving money on the table.

Every overdue B2B invoice carries interest and a €40 fee you can legally claim. See your number, get your letter.

Calculate my claim →