Effective interest rate

Annualize the effective cost using loan interest, deposit interest, and balances over a term.

If calculation UI does not appear, reload with JavaScript enabled. Related context links below remain available.

FAQ

Who is this calculator for?

Annualize the effective cost using loan interest, deposit interest, and balances over a term.

What values should I enter?

Applies to: Interest & value / (Loan interest − Deposit interest) ÷ (Loan balance − Deposit balance) × annualization

How should I interpret this estimate?

This is an estimate based on public information.

How to use

  1. Enter your input values and press Calculate.
  2. Review the result and compare it with expected context.
  3. (Loan interest − Deposit interest) ÷ (Loan balance − Deposit balance) × annualization