Loan Calculator effective rate fee amortization
 
logo
    Amortization
     Software
 
Accounting  
Prepaid expenses, deferred charges amortization
Deferred income, revenue amortization
Fixed assets, FF&E straight line depreciation

FASB 91 effective interest method  
Loan fees income, expense, other charges amortization
Loan fee amortization calculator
  •  FASB 91 effective interest method Calculator
  •  Highlights
  •  Prices
  •  Free demo
Dealer indirect lending fees, charges amortization
Omnibus - MBS, hybrids, loan packages, syndicated
Bonds - Premium, discount accounting software
Bonds - Issuance, debt cost accounting software
Calculator Suite for individual bond schedules
FASB 91 effective interest method all products

Financial Data Support Systems, Inc.  
Home page
About us
Contact us
Technical FAQs
 
PC, laptop, workstation and
shared network devices
running Windows®

Business, government, financial institutions, accounting firms ....
 


 
Loan Fee Amortization Calculator



FASB 91  loan fee income, expense amortization calculator for
  •  Residential, commercial, consumer, auto, indirect ....
  •  Amortizing, interest only, balloon, fixed rate, variable rate, secured, unsecured and other loan types


Also see:
  •  Loan files:  Accounting software to calculate an entire loan file


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.
Loan fees accounting
      Cost, income, both Effective interest method, FASB 91
Dealer, indirect lending fees accounting
     Indirect lending charges Effective interest method, FASB 91


Related software ....
Omnibus - Loans and loan packages with irregular payment amounts, staggered or unusual payment streams

FASB 91 premium, discount, other fees accounting amortization software for irregular reductions to par, principal on loans, packages, bond paydowns, other purchased and originated instruments.  MBS, syndicated, LSBO, secondary market, grouped originations, bundled loans, variable rate bonds, other types of underlying collateral.  Premium amortization, discount accretion, deferred fee recognition for purchasers, sellers, originators over a begin date to maturity date.  Effective interest rate calculation, accounting and reporting for actual, aggregated, weighted average rates, terms.  Accelerated recognition for paydowns.  Detail schedule for each record.
Omnibus FASB 91 for loans, loan packages and other instruments, purchased and originated with irregular reductions to par or principal






Price ....

Click to open and view calculator Price page




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
© 1995 - 2015 Financial Data Support Systems, Inc.
Home page        |        About us       |        Contact us       |        Site map

Top