SOFR Rate Calculator

Money Market & Loan Engine

SOFR Rate Calculator

Calculate SOFR-linked loan payments, compounded interest in arrears, spread margins, and caps/floors with institutional Actual/360 precision.

ACTUAL/360 · COMPOUNDED & SIMPLE · CLIENT-SIDE

Loan & Rate Parameters

Currency

Principal Loan Amount *borrowed funds

Base SOFR Benchmark *

Margin / Spread *175 bps

Term Duration

Days

Quick Preset

Floors, Caps, CSA & Day-Count (Optional)

SOFR Floor

SOFR Cap

Credit Spread Adj (CSA)

Day Count Standard

Calculated Outflow

Compounded in Arrears

Total Interest Payable

$0.00

All-In Rate: 7.164% Term Cost: 1.79%

Principal (100%)Interest: +1.8%

Total Outflow (P + I)

–

All-In Annual Rate

–

Daily Interest Cost

–

Effective Base SOFR

–

Total Spread Cost

–

Day Count Factor

–

Capabilities

Designed for commercial loans & floating-rate debt

Actual/360 Money Market

Calculates interest according to institutional US money-market standards where annual interest is divided over 360 days.

Compounded in Arrears

Emulates daily compounding of daily overnight SOFR rates over the interest period, reflecting modern ISDA/LMA loan conventions.

ISDA Credit Spread Adj.

Optionally add the standardized 11.448 bps (0.11448%) or custom LIBOR transition CSA directly to your rate stack.

Rate Floor & Cap Guard

Protects your calculations with minimum SOFR floors or maximum interest rate collars typical in commercial lending agreements.

Simple vs. Amortized

Switch seamlessly between interest-only bullet terms, daily simple interest averages, or fully amortized monthly payments.

Multi-Currency Support

Model USD, EUR, GBP, JPY, BDT, or INR financing without re-entering loan amounts or recalculating parameters.

100% Client-Side Engine

All calculations process instantly inside your web browser. No loan terms, corporate figures, or user data are ever uploaded.

Responsive Terminal

Designed with a high-contrast dark aesthetic that adapts fluidly across mobile phones, tablets, and desktop displays.

Methodology

How to compute floating SOFR interest

Enter Principal Loan Amount

Input the initial principal balance or total credit facility drawdown amount.

Set Base Benchmark SOFR

Enter the prevailing 30-day, 90-day, or daily SOFR rate published by the Federal Reserve Bank of New York.

Input Lender Margin / Spread

Add your bank's credit spread over SOFR (e.g., SOFR + 1.75% or 175 basis points).

Choose Calculation Method

Select "Compounded SOFR" for daily compounded interest, "Simple Daily" for flat average, or "Amortized P&I" for monthly installments.

Adjust Floors, Caps & CSA

Open Advanced Options to apply a minimum rate floor, maximum interest cap, or ISDA Credit Spread Adjustment.

Analyze Outflow Breakdown

Review total interest payable, all-in effective rate, and daily interest costs. Click "Copy Summary" to save your report.

This calculator is provided for estimation and educational modeling purposes only. Published SOFR rates fluctuate daily, and exact bank billing may differ based on lookback days, observation shifts, and specific loan agreement definitions. Always consult your financial institution for official loan statements.