신용거래 이자 계산기: 차입 비용
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Enter the margin loan amount, annual interest rate, and days borrowed to estimate interest and the total amount owed.
About margin loan interest
A margin interest calculator estimates the cost of borrowing from a broker against securities. The debit balance is the margin loan. Brokers quote an annual percentage rate that often tiers by balance and can change with the broker call rate. 이자 typically accrues daily and is posted monthly. Knowing that cost matters when you hold a leveraged long for weeks: a winning thesis can still lose to interest if the hold is long and the spread is thin. The margin interest calculator uses simple interest on a 365-day year: loan amount times annual rate divided by 100 times days divided by 365. Total owed is the loan plus that interest. A $10,000 debit at 8% for 30 days is about $65.75 of interest and $10,065.75 owed. A $5,000 debit at 10% for 365 days is $500.00 of interest and $5,500.00 owed. A 0% rate leaves interest at $0.00 and total owed equal to the loan. Actual brokerage math can differ. Some firms use a 360-day year. Some compound monthly by adding posted interest to the debit. Tiered schedules charge a lower rate on a higher balance band. The calculator applies one flat rate to the whole amount for the whole period, so it will not split tiers or change the rate mid-hold. Days should be the number of calendar days the debit is outstanding, including the hold over weekends if the firm charges calendar interest. Enter the rate as a percent (8 for 8%), not 0.08. The loan amount is the borrowed debit, not the full position value. If you repay partway through, split the hold into segments or use an average debit; this model assumes a constant balance. Use the margin interest calculator to price a 30-day swing, a full-year carry, or a zero-rate control. Compare the interest with expected alpha or dividend yield on the financed shares. Confirm the actual rate, day-count, and posting cycle on the broker’s margin-interest schedule before you treat the total owed as a billing figure.
이자 = loan amount × (annual rate ÷ 100) × days ÷ 365; total owed = loan amount + interest.
Margin interest calculation examples
These worked examples use the same 365-day simple-interest formula as the margin interest calculator.
| 입력 | 결과 | 참고 |
|---|---|---|
| $10,000 loan; 8% rate; 30 days | $65.75 | Simple interest is $65.75 for the month, so total owed is $10,065.75 on the $10,000 debit. |
| $5,000 loan; 10% rate; 365 days | $500.00 | A full 365-day year at 10% costs $500.00 of interest and $5,500.00 total owed. |
| $20,000 loan; 0% rate; 90 days | $20,000.00 | A 0% rate produces $0.00 interest, so total owed stays $20,000.00 for the 90-day hold. |
How to estimate margin interest
- Enter Margin Loan Amount as the debit balance you expect to carry.
- Enter Annual 이자 Rate (%) from the broker’s schedule for that balance tier.
- Enter Borrowing Period (Days) as calendar days the debit will remain outstanding.
- Select 계산 to see estimated interest and total amount owed, then try a shorter hold if the cost is high.
Margin interest calculator FAQ
Does the margin interest calculator compound monthly?
No. It uses simple interest with a 365-day year on a constant debit. If your broker posts interest to the debit each month, actual cost can be slightly higher than this estimate on long holds.
Should I use 360 or 365 days?
The formula divides by 365. Some firms still use a 360-day convention, which produces a slightly higher daily rate at the same APR. If your statement uses 360, the billed interest can exceed this figure.
Is the annual rate the same as the broker call rate?
Not always. Many schedules are broker call plus a spread that depends on debit size. Enter the all-in annual percentage you are actually charged, not only the call rate.
What if I pay the loan down during the period?
The model assumes a constant balance. Split the hold into segments with different amounts and add the interest figures, or use a reasonable average debit, for a closer estimate.
Does total owed include the securities’ market value?
No. Total amount owed is the margin loan plus estimated interest—the cash you would still need to repay the debit. Position market value is a separate figure on the account statement.