Skip to content
ENExplore Calculators

Net Interest Income Calculator

Work out net interest income instantly with clear inputs, formula shown and shareable results.

About Net Interest Income Calculator

Net interest income is the money a bank keeps from lending after paying for its funding, and it usually supplies the bulk of revenue. Tracking it against the prior period shows whether volume growth is outrunning margin compression.

Formula

Net interest income

NII = interest income - interest expense

Worked example

With the default values below, Net Interest Income Calculator returns Net Interest Income of $29,000,000.00. Change any input above and every figure here is recalculated in your browser.

Inputs used

Interest Incomeminimum 0
68,000,000
Interest Expenseminimum 0
39,000,000
Prior Period Net Interest Incomeminimum 0
26,000,000

Results

Net Interest Income
$29,000,000.00
Growth Over The Prior Period
11.538%
Net Interest Income As Share Of Interest Income
42.647%
Interest Expense As Share Of Income
57.353%

Step by step

  1. 1Values used
  2. 2Net interest income
  3. 3Net Interest Income= 29,000,000.00
  4. 4Growth Over The Prior Period= 11.538
  5. 5Net Interest Income As Share Of Interest Income= 42.647
  6. 6Interest Expense As Share Of Income= 57.353

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation or tax into account.
  • Figures are rounded for display to 3 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.

Frequently Asked Questions

Why can net interest income fall while lending grows?

Because funding costs can rise faster than asset yields, compressing margin even on a larger book.

Is it the same as net interest margin?

No. This is an absolute amount; margin expresses it as a percentage of earning assets.

Related Calculators

Net Interest Income Calculator | Calcrivo