Enter your upfront cost, forecast cash flows, and chosen discount rate to see whether the present value of returns beats the initial spend. A 2023 survey shows U.S. firms apply discount rates between 6 % and 12 % for capital projects (Berk & DeMarzo, 2023).
Use the Net Interest Spread Calculator by entering your asset yield and funding cost, then subtracting the two rates. For example, 7.25 % income minus 2.15 % expense equals a 5.10 % spread. U.S. banks posted an average net interest margin of 3.13 % in 2022 (FDIC Quarterly, 2023).
Use the Net Interest Margin Calculator to divide net interest income by average earning assets and see profitability in seconds. For example, $920 000 ÷ 11 200 000 = 8.21 %. Average U.S. banks posted a 3.28 % NIM in 2022 (FDIC Quarterly Banking Profile, 2023).
The Net Interest Income Calculator subtracts a bank’s interest expense from its interest income to reveal core profitability. For example, $1 050 000 income minus $500 000 expense equals $550 000 NII. U.S. banks earned 69 % of their revenue from NII in 2022 (S&P Global Market Intelligence, 2023).
Compute mutual fund share value in seconds: subtract liabilities from assets, divide by shares, and you get Net Asset Value (NAV). U.S. funds finalize NAV once daily at 4 p.m. ET (SEC Form N-1A, 2023).
The calculator divides your loan amount by the property value and multiplies by 100 to show loan-to-value (LTV). An LTV below 80 % lets you avoid private mortgage insurance in most conventional loans (CFPB, 2022). Use it before you borrow, refinance, or price insurance.
Use the calculator by entering your bank’s total loans and total deposits; it instantly divides the two and shows the loan-to-deposit ratio. A healthy banking sector keeps this figure in the 0.80–0.90 range, and 88 % of U.S. banks fall inside it (“FDIC Quarterly Banking Profile Q4 2023”, https://www.fdic.gov/analysis/quarterly-banking-profile).
Use the calculator to see how much loan principal still needs paying. Enter your starting balance, regular payment, interest-per-period and the number of payments made; the tool instantly returns your outstanding balance. Adding just $100 to each monthly payment on a $250,000, 30-year mortgage cuts interest by roughly $28,000 (CFPB payoff calculator, 2023).
Enter your loan amount, annual interest rate and term; the calculator applies the amortization formula to show your monthly payment. Example: $25,000 at 4.5% for 7 years ≈ $347/month. 63 % of U.S. borrowers compare at least three lenders before choosing a loan (CFPB, 2023).
