Loan Calculator effective rate fee amortization
 
     Financial Data Support Systems, Inc.
    Accounting Amortization
              Software
 
Home
About us
Contact us
Technical FAQs
               FASB 91 accounting software
 
Loans - P&I amortizing, interest only, balloons
Loans - dealer fees, indirect lending charges
Omnibus - MBS mortgage backed securities, loan packages
LIBOR - loans tied to LIBOR, prime, other rate indexes
Merchant loans - cash advances, commissions, fees
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
Excel - worksheet amortization software
                         All products
CPA, auditor tools - calculate, recalculate client files
             Bond accounting software
 
Bonds - effective interest method accounting
Bonds - OID original issue discount amortization
Bonds - variable rate, step bonds amortization
Bond issuers - issuance cost amortization
Bonds - straight line method accounting
Calculator suite - schedules for one bond at a time
 
 
 
 
Loan Calculator - Fee amortization Schedules
     Highlights, price and free demo page

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 fees - Mortgages, other loans deferred income, expense
     •  Dealer fees indirect lending page
     •  MBS mortgage backed securities page
     •  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







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


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




 




 
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 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
© 1995 - 2016 Financial Data Support Systems, Inc.
Home page        |        About us       |        Contact us       |        Site map

Top