Tax lien interest calculator

Estimate what a tax lien certificate pays you if the owner redeems, based on the rate you won at auction and how long the lien is held.

Certificate amount$Annual interest rate won%The rate you won at the bid-down auctionMonths until redemptionmoMinimum penalty (if any)%Some states guarantee a floor (e.g. Florida's 5%). Use 0 if none.

What you get back at redemption

Your principal $2,500Earnings $450

Simple interest earned$450

Minimum penalty amount$125

You receive (greater of the two)$450

Total repayment to you$2,950

Simplified model — actual payouts depend on your state's statutes and fees.