Free tool
SUI penalty and interest calculator
Choose the state, enter the unpaid amount and how many days late it is. See the penalty, the interest and the total.
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The late payment.
Choose the state and enter the amount and the days late. The penalty, the interest and the total show here.
How SUI penalties and interest work.
A penalty on the unpaid amount.
When SUI contributions are underpaid, from a rate error, a missed payment or a payroll discrepancy, the agency assesses a one-time percentage penalty on the principal.
Interest for each month late.
Interest accrues monthly from the due date. A flat penalty plus interest for every month means a small underpayment grows if it is left alone.
Each state sets its own rates.
The calculator uses a state's published penalty and interest rates where Kreto has a cited source, and a general default rate otherwise. The result says which.
More free tools.
- Cost of a missed SUI notice What a missed rate notice can cost over three years, with the state's penalty schedule.
- Notice deadline checker Find the response window for an IRS or state notice, what happens if you miss it, and the steps to take.
- 2026 SUI rate lookup Any state's 2026 wage base, new-employer rate and rate range, how the state sets rates, and whether it takes voluntary contributions.
Got a notice?
Try the free notice scan: upload a text-based notice PDF and see its type, agency, deadline and a suggested next step. No account.