FreeByte

Margin loan calculator

The cost of investing on borrowed money.

Built and reviewed by Dovanic, Founder and editor, FreeByteLast reviewed: 2026-08-18
$
9.5%
8%

Net result

-$816

Interest cost

$4,976

With these inputs, net result comes to -$816. Interest cost works out to $4,976. The result assumes margin rate stays at 9.5%.

Investment gain
$4,160

What moves the number · Net result

Input−10%Now+10%
Borrowed-$734-$816-$897
Margin rate-$298-$816-$1,338
Expected return-$1,246-$816-$382
Years-$722-$816-$912

Solve for an input

Whatmakesequal

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Save this set of inputs, change something, then save again to compare the outcomes side by side.

The cost of investing on borrowed money.

A worked example

Starting figures

Borrowed
$25,000
Margin rate
9.5%
Expected return
8%
Years
2

What it returns

Net result
-$816
Interest cost
$4,976
Investment gain
$4,160

How to read the results

With the defaults above, net result works out at -$816.

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