Loan Calculator effective rate fee amortization
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                    FASB 91 Amortization Software
  Loans - P&I amortizing, interest only, balloons
  Omnibus - MBS, LSBO, purchased loan packages
  Dealer fees - indirect lending loan charges
  Bonds - premium and discount FASB 91 amortization
  Services - have us calculate a file, return reports
  FASB 91 - all software products listing
                     General Accounting Software
  Prepaid expenses, capitalized cost, deferred charges
  Deferred income, unearned revenue recognition
  Fixed assets, FF&E straight line depreciation
  Day, days amortization - 5th, 1st and 2nd, 27th to 3rd ....
  Allocation - distribute cost, overhead, other amounts
  Excel amortization - Import, run reports, posting file
          Bonds - Effective Interest Method Software
  Bonds - premium amortization, discount accretion
  OID - original issue discount amortization
  Variable rates - amortize step bonds, rate changes
  Bond issuers - premiums, discounts, issuance costs
  Bonds - effective interest rate calculator
  CPA audit tools - import, recalculate client files
Loan Calculator
FASB 91 fee amortization schedules

FASB 91 loan fee income and expense amortization schedules
Applicable for
  •  Residential, commercial, consumer, auto, indirect ....
  •  Amortizing, interest only, balloon, fixed rate, zero rate, actual term, average portfolio life

Need to calculate an entire file?
Amortize all loan fees at the same time? 
We also offer FASB 91 effective interest method monthly fee recognition accounting and reporting software for:

     •  Loan files, up to 4 fees per loan - Mortgages, other loans deferred income, expense

     •  Adjustable and variable rate loans

     •  Paydowns, curtailments and early payoffs

     •  Dealer fees indirect lending charges page

     •  MBS mortgage backed securities, LSBO, purchased loans

     •  Merchant loans, cash advances page

     •  LIBOR - interest only loans tied to LIBOR, Prime and other indexes page

Calculator input
•  Principal (original loan amount or balance)
     - Fixed rate
     - Adjustable
     - Amortizing
     - Interest only (non-amortizing)
     - Balloon
•  Note rate
•  Payment (leave blank for system to calculate as non amortizing, "interest only")
•  Term
     Input any three of the above and the software can solve for the unknown.
•  Fees
     - Income
     - Cost (expense) origination charges, dealer fees ....
     - Both. When both are present, software determines the "net amount" to amortize.
     Or, run two pure schedules. One for fee income, a second for costs.
•  Monthly, quarterly, semi-annual, annual payment frequency (button selection)

Additionally available entries:
• Balloon term (callable, average life)
     If entered, Payment can be blank and the
     software will calculate an interest only payment amount
•  Reprice After
     A future point to reprice an adjustable loan
•  Reprice By
     An amount by which to increase or decrease the Note rate

Calculator output
•  Effective interest rate
     -  Calculated by the software
     -  Applicable to fixed rate, adjustable, interest only and balloon loans
•  Determination of deferred fee amount to amortize as:
     -  Income only (up front charges and fees for a lender)
     -  Cost only (origination expenses, up front charges and fees for a borrower)
     -  A "net" fee derived by subtracting the smaller from the larger
•  FASB 91 amortization schedule:
     -  Accrued monthly interest at note rate
     -  Monthly interest at effective rate on loan balance plus or minus remaining deferred fee balance
     -  Deferral recognition (difference between stated and effective interest rates)
     -  Accumulated
     -  Deferral balance (remaining fee to be amortized)
     -  Book value, carrying amount
•  With output results -  View, print and copy, paste to Excel or other spreadsheet program

Price ....

Click to open and view calculator Price page

Multiple loans?  Hundreds?  Thousands?
View this page to import and calculate a loan file.

Flexible ....
Enter a loan to the effective interest rate calculator screen
       •  Enter basic loan information plus fee income, expense or both income and expense.
       •  Calculate effective interest rate.
       •  Produce lifetime loan and deferral amortization schedule. 

Ideal for one or dozens of loans with or without rate changes and payment curtailments
     •  Regular amortizing loans
          Residential, commerical, consumer, auto, other ....
     •  Balloons, with or without payments or principal paydowns
     •  Interest only
     •  Packages, pools, groupings - One big loan, log each monthly principal reduction as a paydown
               If your packages have maturity dates instead of a term in months, view our bond calculator page
     •  Fixed, variable rate
     •  Monthly, quarterly, annual pay
     •  Loans with unusual, variable repayment terms
     •  For originators, borrowers, sellers, buyers, accountants, auditors

Price page includes ....
     •  Stand alone and network sharing software prices.
     •  Free demo
     •  Click to open and view price page

Multiple loans?  Hundreds?  Thousands?
View this page to import and calculate a loan file.

or email
Other pages of interest ....
FASB 91 products page
Omnibus - Loan, bond packages FASB 91 amortization
Loan file origination fees FASB 91 amortization
Bond file accounting FASB 91 amortization
Bond file accounting straight line amortization
Bond file issue costs FASB 91 amortization
Enter, calculate one record at a time calculator suite
CPA, auditor, financial advisor FASB 91 page
FASB 91 custom system
FASB 91 services offered

  Loan Fee Calculator Software for Windows® PC, laptop, workstation and network sharing by
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