When Article 395 applies
A monetary debt exists, the payment deadline has passed, and the debtor did not perform on time.
CENTO calculator · Article 395 of the Russian Civil Code
Interest for the use of another party's money
Estimate Article 395 interest using the key rate, partial payments, and the correct calendar-year denominator.
Free, no registrationThe calculation is stored on this device for 30 days, and the link in the email lets you open it on another deviceOfficial sources
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Preliminary result
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Your result will appear here
We will show the interest, remaining principal, total claim, and period breakdown.
This informational result does not replace review of the contract, debt basis, payment allocation, or special regulation.
Understand the result
What to prove
The debt basis and amount, exact due date, partial payments, and absence of a replacing penalty clause.
When the result changes
Set-off, payment allocation, a disputed deadline, a special statute, or a contractual penalty may change the outcome.
How it is calculated+
Outstanding principal × key rate × segment days / 365 or 366. The payment date is included and the reduced balance applies the next day.
Method and official sources
Rates verified through: 09/08/2026
Next step with CENTO
Prepare a counterparty demand
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About the Article 395 interest calculation
Article 395 interest may apply when a debtor wrongfully withholds money, avoids repayment, or otherwise delays a monetary obligation. The calculator uses the Bank of Russia key rate applicable to each period and reduces the base after partial payments. A contractual penalty, special statute, or disputed payment deadline requires separate document review.
When does Article 395 interest apply?
There generally must be a monetary obligation, an expired performance deadline, and debtor delay. The underlying debt and the due date must be supported by documents.
When does the interest period begin?
Generally, on the calendar day after the payment deadline. If the deadline depends on a demand, acceptance, an act, or another event, the relevant documents determine the start date.
Is the payment date included?
Yes. Interest generally accrues through the payment date. A partial payment reduces the calculation base from the following day.
How are partial payments treated?
Each documented payment reduces the outstanding principal from the next calendar day. Accrual stops after the day the debt is paid in full.
Can a contractual penalty and Article 395 interest both be claimed?
Not always. A penalty for the same delay generally displaces Article 395 interest unless the law or contract says otherwise, so the automatic result is stopped when a penalty exists or is uncertain.
How are key-rate changes and leap years handled?
The period is split whenever the key rate, principal, or calendar year changes. Each segment uses the applicable rate and 365 or 366 days for that year.
Which documents support the calculation?
Usually the contract, invoice or specification, acceptance records, payment schedule, bank records, correspondence, debt acknowledgement, and the demand with delivery proof.
Why can the final claim differ?
A disputed due date, different principal, set-off, partial payments, contractual penalty, special law, payment allocation, or a later key-rate update may change the result.