Loan Calculator effective rate fee amortization
                Software for loan files:   Loan fees Dealer fees   Indexed rates   Merchant loans   MBS loan packages
Accounting Amortization Software
by Financial Data Support Systems, Inc.
FASB 91 software
Loans - P&I amortizing, interest only, balloons
Loans - dealer fees, indirect lending charges
Omnibus - MBS mortgage backed securities, packages
Indexed rates - variable rate instruments tied to an index
Merchant loans - cash advances, commissions, fees
CPA, auditor tools - calculate, recalculate client files
FASB 91 - all software products listing
Calculator - Amortization schedule one loan at a time
General accounting software
Prepaid expenses, capitalized cost, deferred charges
Deferred income, unearned revenue recognition
Fixed assets, FF&E straight line depreciation
Non-monthly recognition: Daily, days, weekly, 4-4-5
Bonds - Effective interest method software
Bond accounting - effective interest method
Bond issuers - issuance cost amortization
Calculator suite - schedules for one bond at a time
Bond accounting - straight line method
CPA, auditor tools - calculate, recalculate client files
Financial Data Support Systems, Inc.
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Need something unique?  We can modify the software to meet specific client requirements.

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Loan Calculator - Fee amortization Schedules
FASB 91 Effective Interest Rate Software
Highlights, price and free demo
CPA, auditor page

Loan fee income and expense amortization schedules
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 loan fee recognition and totals for any month (shown here) and multiple months up to an entire audit year.

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

   Amortization Software
    •  Loan Calculator

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

workstation and
shared network devices
running Windows®



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 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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