State prompt payment deadlines for construction
For each state read so far: how many days the prompt payment statute gives a public or private owner to pay the prime contractor, how many days the prime contractor has to pay a subcontractor after being paid, what starts each count, and the late-payment interest rate the section states. Every row was read from the state's own statute site, never from a summary chart, and links the section it came from (or, for the five states whose code site gives a section no lasting address, the state's own link to its code). States not read yet are listed below the table instead of being guessed.
Every row was read from its official source on October 19 or 20, 2026, as dated beside it. Rules change, and many of these sections have conditions and exceptions that the short notes only summarize; the source beside each row is the place to read the current wording. This is general information, not advice. The calculator runs in your browser and nothing is uploaded.
What the table shows
Worked out from the rows above each time the page loads, each figure counted a second way. Only the members with a row are counted.
Not yet covered
These have not been read from an official source yet. Missing means not checked yet, not "no rule".
Due date and interest on a late payment
Pick a row and a payment, then enter the day the row's count starts: the day the invoice or pay request was received, the day it was approved, or the day the contractor was paid, as the row says. Add the unpaid amount and the payment date to count the days late and the interest at the row's fixed rate.
Days and rates as each cited section states them, and date and interest arithmetic on them. Nothing here says whether a section applies to a particular contract or what to do about a late payment. Mathproven is not affiliated with any legislature or agency whose statutes are cited here.
What gets checked
- Every row names the statute it was read from, links the official state page, and carries the date it was checked; every further section a row relies on is held to the same rule.
- Every state and the District of Columbia is either in the table or listed as not yet covered, never both, and no state and job type appears twice; a warning lists the ones not yet covered.
- Every deadline is a whole number of days from 1 to 120 and says what starts its count; every fixed rate is a whole number of basis points per year, per month, or per day, as the section states it.
- The days and rate the calculator uses are the ones in the table row for the chosen state, job type, and payment.
- The due date is checked by counting the days back to the start date, and the days late by counting forward from the due date to the payment date.
- The interest is worked out twice in whole numbers, once by quotient and remainder and once with half the divisor added first, and both must agree to the cent; a cross-multiplication check confirms it is the exact figure rounded half up.
- Where a section charges each part of a month as a whole month, the months counted are checked to be the fewest that reach the payment date.
- Warnings show when the due date falls on a weekend, when the section has a condition the calculator does not apply, and when the section's rate floats or is set elsewhere, in which case no interest is worked out.
How it works
- Find the state. Type a state name, its two-letter code, or a statute number in the filter, or sort the table by any column. Each row shows the days for each payment, what starts the count, the interest the section states, a short note, and the statute with its link and the date it was checked.
- Open the source. Each row links the official page the figures were read from, so the full wording, including thresholds and exceptions, can be read there.
- Work out the due date. Pick a row and a payment, and enter the day the count starts: the day the invoice or pay request was received, the day it was approved, or the day the contractor was paid, as the row says. The calculator counts the row's days on the calendar and shows the due date.
- Work out the interest on a late payment. Enter the unpaid amount and the payment date. The calculator counts the days late and applies the row's fixed rate in whole cents, rounded half up, with its checks. Rows whose rate floats show the days late and no interest.
- Check the not-yet-covered list. States without a row are listed below the table. Missing means the statute has not been read from an official source yet; it does not mean the state has no prompt payment law.
Worked example
A made-up subcontractor on a private job in Ohio. The contractor was paid by the owner on Monday, March 2, 2026, and paid the subcontractor's $48,500.00 on Tuesday, April 21, 2026. The Ohio row gives the contractor 10 calendar days after being paid, with interest of 18% per year.
| Row and payment | Count starts | Due date | Paid | Days late | Rate in the row | Interest |
|---|---|---|---|---|---|---|
| Ohio, private: contractor pays a subcontractor | Monday, March 2, 2026 | Thursday, March 12, 2026 | Tuesday, April 21, 2026 | 40 | 18.00% per year | $956.71 |
Ten days after Monday, March 2, 2026 is Thursday, March 12, 2026, the due date. Paid on Tuesday, April 21, 2026, the payment is 40 days late. 18% a year on $48,500.00 for 40 days of a 365-day year comes to $956.7123, which rounds to $956.71. Worked again with half a cent added before dividing, it is the same $956.71, and counting 40 days on from March 12 lands on April 21.
The example uses made-up names and numbers.
Questions
Why is a state missing?
A state has a row only when its statute was read on the state's own official site. States not read that way yet are listed under Not yet covered. A missing state may well have a prompt payment law; it just has not been read here yet.
How are the days counted?
The day the count starts is not counted; the due date is that many calendar days later. The calculator does not move a due date that falls on a weekend or holiday, and it shows a warning for a weekend. A section that counts business days gets no calendar due date.
How is a monthly rate turned into interest?
Where a section charges each part of a month as a whole month, the calculator counts the months started after the due date and charges the monthly rate for each. Otherwise a monthly rate is charged by the day: twelve times the monthly rate over a 365-day year. A yearly rate is charged by the day over a 365-day year, and a daily rate for each day late. Interest is rounded half up to the cent.
Why does a row show no interest?
Some sections tie the rate to a prime rate, a Federal Reserve or Treasury rate, or a rate set in another law that changes over time. The table stores no fixed number for those, so the calculator counts the days late and leaves the interest out.
Does the deadline apply to a particular contract?
The table does not decide that. Many of these sections cover only some owners, contract sizes, or project types, let a contract set other dates, or require notice before interest is owed. The notes summarize the main conditions and the link goes to the full text.
This tool calculates and checks numbers. It is not legal, tax, or medical advice.
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