Interest Rate Tables
Access interest rate, indexation, and stock index tables used in financial, fiscal, and legal environments.
Margill tables support the calculation of interest, returns and present values in environments subject to local and international regulations.
They are used within the Margill Loan Manager and in the Margill Calculator, notably the Law Edition– for interest calculation, amount indexing, return analysis, and various compliance functions.
Why Use Interest Rate Tables?
Financial calculations often rely on external reference data. When these references are incomplete or outdated, discrepancies quickly affect schedules, returns, and reporting.
In regulated environments, inaccurate rates may lead to accounting corrections, contractual adjustments, or legal disputes.
The Tables allow you to work with data published by organizations such as:
- Central Banks:
- US Federal Reserve
- Bank of England
- Bank of Canada
- Reserve Bank of Australia
- Reserve Bank of South Africa
- European Central Bank
- Ministries and Departments of Justice:
- United States (federal) – all states
- Canada – all provinces and territories
- Europe: United Kingdom, France, Belgium, Luxembourg
- Tax agencies:
- Internal Revenue Service (IRS)
- Canada Revenue Agency (CRA)
- Australian Taxation Office
The tables ensure consistency between cases and facilitate internal checks when using tools such as the Margill Interest Calculator or the Margill Legal Interest Calculator.
Table Categories Available
Margill provides several categories of tables adapted to financial, legal, and fiscal use cases.
Interest Rate Tables
These tables include major official and regulatory rates:
- Central bank rates
- Bank prime rates
- Legal interest rates / Judicial interest rates / Pre- and post-judgment rates
- Tax-related rates
They cover jurisdictions including the United States, the United Kingdom, Canada, Europe, Australia and South Africa.
Indexation Tables
Indexation tables are used to adjust amounts based on changes in prices. They include consumer price indices (CPI, HICP), harmonized European indices, and statutory indexation rates. These references are used in contractual, fiscal, and legal calculations.
They cover the United States, Canada, Australia and Europe (Great Britain / United Kingdom, France, Belgium, Luxembourg, Switzerland).
Financial Indices
Financial indices serve as reference points for stock market analysis. Margill provides national and international benchmarks used for performance monitoring, sector comparisons, and portfolio analysis.
Financial indices include:
- Dow Jones (United States)
- Nasdaq (United States)
- Standard & Poors 500 (United States)
- TSE (Canada)
- FTSE (Great Britain)
- Hang Seng (Hong Kong)
- CAC40 (France)
Advantages of Margill Interest Rate Tables
Margill tables are built using official publications from central banks, tax authorities, and judicial bodies.
Updates follow the publication schedules of source institutions. Some tables are revised monthly, while others are updated following official announcements. Historical data is preserved to allow long-term rate tracking.
Before release, data is reviewed by the product team. Methodological changes, corrections, and retroactive adjustments are documented.
This approach reduces discrepancies between internal calculations, reports, and regulatory reviews.
These practices align with Margill’s interest calculation services, whether used independently or as part of an integrated workflow.
Who Are These Tables For?
The tables are used by law firms, courts and corporate legal departments, government agencies, financial institutions, accountants, unions, lenders and various other companies and organizations in consumer, commercial and institutional settings.
In practice, they are used to establish payment schedules (amortization), penalty calculations, claim adjustments, tax reporting, and litigation documentation.
Integrating Rate Tables with Margill Software and Services
Tables may be accessed independently or integrated into the Margill platform.
In integrated environments, rates can feed directly into loan management, portfolio tracking, billing, and reporting tools. Calculations are automatically updated when rates change.
This integration reduces manual data entry and limits inconsistencies between operational, financial, and legal teams.For specific requirements, Margill also offers custom programming services to connect internal systems with tables and calculation engines.
Access to Margill Rate Tables
Access to the tables is linked to the use of Margill solutions.
The tables are generally available as part of using interest calculation tools or other services offered by Margill. Depending on your environment and requirements, specific access may be configured upon request.
In practice, some organizations use only interest rate tables, while others combine rates, indexation, and financial indices within their management, analysis and reporting systems.To determine the access conditions applicable to your situation, you may contact our team through the website.
Frequently asked questions about Interest Rate Tables
Access is based on the Margill solutions used and the selected table categories. It includes updates and technical support. Conditions vary depending on usage and organizational needs.
Yes. Updates follow official publications from source institutions. Depending on the table, updates may be monthly, quarterly, or linked to specific announcements.
Additional resources are available in our Knowledge Base.
Yes, through Margill solutions. Integration with third-party systems depends on technical requirements and must be assessed on a case-by-case basis.Support is available through our support center and training services.
Free tables are rarely maintained over time. They often lack reliable historical records and do not clearly document their sources. Margill tables are traceable, archived, and validated before release.