Net Stable Funding Ratio Calculator

Work out net stable funding ratio instantly with clear inputs, formula shown and shareable results.

About Net Stable Funding Ratio Calculator

The net stable funding ratio addresses structural rather than short-term liquidity, comparing funding weighted by its stability against assets weighted by how long they tie up funding. It discourages financing long assets with overnight money.

Formula

Net stable funding

NSFR = available stable funding / required stable funding

Worked example

With the default values below, Net Stable Funding Ratio Calculator returns Net Stable Funding Ratio of 106.897%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Available Stable Fundingminimum 0: 620,000,000
Required Stable Fundingminimum 0: 580,000,000
Regulatory Minimumaccepts 50–150 %: 100 %

Results

Net Stable Funding Ratio: 106.897%
Stable Funding Surplus: $40,000,000.00
Compliance Status: Compliant — stable funding exceeds the requirement
Additional Stable Funding Needed: $0.00

Step by step

1Values used
2Net stable funding
3Net Stable Funding Ratio= 106.897
4Stable Funding Surplus= 40,000,000.00
5Compliance Status= Compliant — stable funding exceeds the requirement
6Additional Stable Funding Needed= 0.00

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, tax, fees or charges or compounding frequency 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

How does it differ from the liquidity coverage ratio?

That measures a thirty-day stress; this one looks at the one-year structural funding profile.

Which funding is most stable?

Capital and long-term debt score highest, retail deposits well, and wholesale overnight funding barely at all.