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Loan-to-Deposit Ratio Calculator

A bank's loans divided by its customer deposits, with the funding gap and what a ratio above 100% really means for liquidity risk.

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Open Loan-to-Deposit Ratio Calculator and you get an answer straight away, with no account to create. You will find it under Loans & credit, with Boat loan calculator and Motorcycle loan calculator for the neighbouring cases.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What is Loan-to-Deposit Ratio Calculator?

A bank's loans divided by its customer deposits, with the funding gap and what a ratio above 100% really means for liquidity risk.

When would I actually use this?

Before signing: checking whether the instalment fits the budget, comparing two offers at different rates and terms, and seeing what a shorter term really costs each month.

What is the most common mistake?

Comparing monthly instalments instead of total interest. A longer term always looks cheaper each month and costs more overall — the two figures move in opposite directions.

How is Loan-to-Deposit Ratio Calculator different from Boat loan calculator?

They sit next to each other but answer different questions: Boat loan calculator is the one to open when you need it to estimate the monthly payment on a boat loan from the purchase price, down payment, trade-in, sales tax and APR. It works out the amount financed, the monthly payment, the total interest over the term and the total cost, so you can size a marine loan before you sign. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

Motorcycle loan calculator is the closest one after this: Estimate the monthly payment on a motorcycle loan. Enter the price, down payment, any trade-in, sales tax, APR and the term in months, and it returns the amount financed, the monthly payment and the total interest you'll pay.

What else is worth having open alongside it?

Car Loan Calculator and Loan calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The amortisation arithmetic is standard and exact; the rate is yours to supply. Lenders add fees, insurance and sometimes a different compounding convention, so treat the result as the loan's own cost, not the offer's APR.

Further reading

All guides →
GuideShould You Pay Off a Car Loan Early? The Rule, and the Three ExceptionsSettling a $20,000 car loan at 7 percent two years in saves $1,431 of interest — but only $663 of that is a real gain if the cash was earning 4 percent, and precomputed interest can take $62 or more off the top.ExplainerA Balloon Loan's Payment Is Small Because the Debt StaysA balloon loan is priced on a long amortisation and repaid on a short one, and the whole instrument lives in that gap. On $250,000 at 6.5%, amortised over 30 years and due at 7, the payment is $1,580.17 and the lump sum still owed is $226,040.61 — 90.4% of what you borrowed.How-toHow to Calculate a Car Loan Payment: The Amortization FormulaWork out your monthly car payment from the loan amount, interest rate and term — plus the total interest you'll pay — using the standard amortization formula.GuideBorrowing for the Business: What the Bank Looks At Before the RateThe coverage ratio is the gate, the guarantee is the second price and the rate is an output. On a 400,000 loan, cutting the rate by a full point moves the coverage ratio by 0.018 — while two extra years of term move it by 0.216. The whole negotiation is in the wrong place.GuideStudent Loan Repayment Strategies: Five Routes Through the Same $30,000Standard, extended, overpaid, refinanced or income-linked: the same $30,000 at 5 percent costs anywhere from $35,716 to $52,613. And where a scheme writes the balance off, overpaying can cost $11,178 and buy nothing.ExplainerHow Loan Payments Work: Amortization and Interest ExplainedSee how a fixed loan payment splits between principal and interest, how amortization shifts over time, and the formula behind the monthly number.