Margin Interest Calculator

Interest accrual · maintenance ratio

Quick Answer

Margin Interest Calculator: Interest accrual · maintenance ratio. Margin Interest Calculator uses standard finance formulas to compute accurate results instantly.

Margin debt

CNY

Annual rate (%)

Holding days

Cash in account

CNY

Securities market value

CNY

Interest for the period

3,479.17 CNY

≈ 115.97 per day

Maintenance ratio200.0%

Risk zoneNormal

Effective annual (365d)42,330

Calculation steps

1Interest = debt × annual rate × days/360 = 500000 × 8.35% × 30/360 = 3479.17
2Daily cost ≈ 115.97 per day (year uses 360 days by convention)
3Maintenance ratio = (cash + market value) / debt = (200000 + 800000) / 500000 = 200.0%
4Zone: Normal (warning <150%, forced liquidation <130%)
5Portfolio can fall 31.3% before warning (150%), 43.8% before liquidation (130%)

Maintenance ratio zones

> 300%	Safe zone	Light position; margin usable normally
150% - 300%	Normal zone	Watch market value, keep buffer
130% - 150%	Warning zone	Broker will request more collateral
< 130%	Liquidation	Forced liquidation if not topped up within T+1

Margin interest accrues daily and compounds silently — at 8.35% annualized, a 500k debt costs ~115 CNY/day, ~42k/year. Securities lending (short side) fees are usually higher. The killer is the ratio, not the interest: a leveraged position falling 30% can trigger forced liquidation at the worst price. Regulators cap leverage at 1:1 for retail margin accounts in China, and brokers typically settle interest monthly or when the position closes.

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How to Use

Enter amounts and terms: fill principal, rate and period in the Margin Interest Calculator (defaults work for a quick try).
Instant results: key figures and cost breakdown update live as you type.
Compare scenarios: tweak any parameter to compare costs and returns across plans.
Copy key numbers: one-click copy for records or sharing with your advisor.

Key Points

Margin Interest Calculator is a free online finance tool — open and use, no sign-up.
All calculations run locally in your browser; your data never leaves the device.
Key capability: Interest accrual · maintenance ratio.
Results come with formulas and reference tables so you can verify every number.

Formula & How It Works

Margin Interest Calculator formula

Margin Interest Calculator uses standard finance formulas to compute accurate results instantly.

FAQ

How do I use the Margin Interest Calculator?

Open the page and fill in the input fields — results update automatically. Interest accrual · maintenance ratio.

Are the results accurate?

Yes. Standard financial formulas and published rate data are used. For official figures, consult your financial institution.

Is it free? Do I need to sign up?

Completely free. No registration, login or download required.

Can I use the results for financial decisions?

Results are for reference. Consult a licensed financial advisor before major decisions.

Does it work on mobile?

Yes. Fully responsive on phones, tablets and desktops.

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Source & Updates

Based on published rate tables and standard financial formulas. Last updated: 2025-07

Authoritative sources:

Last updated: 2026-08-07

Formulas and content on this page are reviewed by the YiJianSuan team. For reference only — official sources prevail.

Cite this page: YiJianSuan. Margin Interest Calculator[EB/OL]. https://www.yijiansuan.com/en/c/finance/margin-interest

Results provided by this tool are for reference only and do not constitute professional advice.

Maintenance ratio zones

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Maintenance ratio zones