Calculate the penalty and interest on a state unemployment insurance underpayment. Select your state, enter the principal amount and days past due.
When an employer underpays state unemployment insurance contributions — whether from a rate error, a missed payment, or a payroll discrepancy — the state agency assesses a penalty on the principal amount plus interest that accrues monthly from the due date.
Penalty rates typically range from 5% to 15% of the principal, assessed once. Interest accrues monthly, typically at 0.33% to 1.33% per month depending on state. The combination of a flat penalty plus compounding interest means that small underpayments grow significantly if left unresolved.
Ohio's SUI interest rate is lower than average at 0.33% per month (4% annually), while states like California, Texas, Illinois, Michigan, New York, and Wisconsin charge higher rates. California charges 15% penalty plus approximately 1.08% monthly interest.
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