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Interest is an integral part of New York litigation, including judgment enforcement. There are many intricacies to the rules, but here the focus will be on the basics every civil litigator should know, plus a few other nuggets.

Pre-Judgment Interest


In New York civil practice, judgments are entered by the Clerk of the court, not a judge (or his personal clerk), although a judge can and sometimes will sign a judgment. The attorney for the prevailing party normally will file the proposed judgment with the Clerk. The judgment should have a space for pre-judgment interest, which will be calculated by the Clerk. The clerk will also “tax” (determine) costs and disbursements if you file a “Bill of Costs” with the judgment, as you should. See CPLR 8201 (costs) and CPLR 8301 (disbursements).
A party suing for breach of a contractual right or for interference with the title to, possession, or enjoyment of property is entitled to pre-judgment interest at 9% from the date of the breach or interference. CPLR 5001(a).

If there is a contract specifying a different rate of interest the party is entitled to pre-judgment interest at that rate. If damages were incurred at various times, you get interest either from a “reasonable intermediary date” or from each date damages were incurred.CPLR 5001(b).Interest should be demanded in the complaint or at least in a dispositive motion or at trial. The particulars (accrual date, rate) need not be pleaded.

In actions of an equitable nature, pre-judgment interest is a matter for the court to determine in the exercise of its discretion. The line is not always easy to draw between contract and equity cases. For example, the courts have differed on whether pre-judgment interest on quantum meruit causes of action is mandatory.

In tort and all other cases, pre-judgment interest accrues from the date of liability is determined, not the date of the injury or wrong. For this reason, it can be wise for a plaintiff to move for summary judgment on liability where it is clear; e.g., rear end collisions, construction accidents covered by the Labor Law. The rule is the same in intentional tort cases—no pre-judgment interest from the date of the injury.

Post-Judgment Interest


New York money judgments, except consumer debt judgments, accrue post-judgment interest at 9% simple interest, which is calculated on the whole ball of wax constituting the final judgment amount; that is, the principal amount of damages, pre-judgment interest, and costs and disbursements.

CPLR 5004 was amended in 2021 to reduce the post-judgment interest on judgments on consumer debt obligations to 2%. Interest accrues up to the date any judgment is satisfied. Judgments are valid for 20 years but remember that judgment liens on real property expire after just 10 years, CPLR 5203(a), but they can be extended.


A judgment creditor will not be denied post-judgment interest simply because he was dilatory in enforcing his judgment or in demanding payment. A judgment debtor who wishes to stop the accrual of interest should tender payment in full. See ERHAL Holding Corp. v. Rusin, 252 A.D.2d 473 (2d Dep’t 1998).