Loan Calculator effective rate fee amortization
 
 
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 Amortization Software
    •  Loan Calculator




FASB, GAAP compliant
   •  Business
   •  Government
   •  Services
   •  Financial institutions
   •  Accounting firms
   •  Financial advisors


Special features
   •  Import from Excel
   •  Reports
        View
        Print
        Archive
        Export to Excel
   •  Audit year reconciliation
   •  1-800 and email support


Monthly, annual reports
   •  Your records
   •  Client records
   •  Any month
   •  Any year


PC,
laptop,
workstation and
shared network devices
running Windows®



Client testimonials ....
Our outside accountants just completed their audit.  This is the first year we've been using your software AND the first year we received a clean audit report.
     Long Island, NY

Thanks for your help today.  Your software is as advertised and will be most useful.
     Houston, TX



Related software to
amortize a loan file
Mortgages, other types of individual loans
Dealer fees, indirect lending charges
Unusual loans, irregular payments






Not interested in buying software right now?

But need

•  Amortization
•  Reports and
•  Schedules
For
•  Current month, quarter and year?
•  Prior months, quarters and years?
•  Calendar, fiscal and audit periods?

We offer 2 inexpensive solutions ....
View our
Excel calculation and reporting services page for details.



 










Loan Calculator - Effective interest method fee amortization under FASB 91
Highlights, price and free demo


Loan fee income and expense amortization software

Applicable for
  •  Residential, commercial, consumer, auto, indirect ....
  •  Amortizing, interest only, balloon, fixed rate, variable rate, secured, unsecured and other loan types


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, bi-weekly, 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

Related software for loan files
FASB 91 amortization software for a loan file - fee income, cost, expense.  Amortizing, interest only, balloon, fixed rate, variable rate, full term, average life term.  Interest rate changes.  Paydowns and curtailments.  Residential, commercial, consumer, auto, secured, unsecured and other loan types for originators and borrowers to recognize direct and indirect lending fees consisting of origination or borrowing points, income, cost, charges, expense.  Effective rate calculation, amortization, accounting and reporting for dozens, hundreds, thousands of deferred loan fee records.  Budget projections.  Detail lifetime FASB 91 schedule for each loan.  Supports early payoffs, paydown curtailments and rate changes.
Files:  Loan fees accounting
      Cost, income, both Effective interest method, FASB 91

Files:  Dealer, indirect lending fees accounting
     Indirect lending charges Effective interest method, FASB 91
 


Custom software
Need something unique?
Many  clients had us modify the software to meet their specific requirements.

For more information, call 1-800-245-8444
or email Support@fdssi.com















 













 
 
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
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.


Questions?
1-800-245-8444
or email Support@fdssi.com
Other pages of interest ....
FASB 91 products page
Omnibus - Loan, bond packages FASB 91 amortization
Loan origination fees FASB 91 amortization
Bond accounting FASB 91 amortization
Bond accounting straight line amortization
Bond 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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