Trade Finance Calculator
Calculator Desk
Use this for learning and desk estimates. Before booking any charge, check your bank's schedule of charges, approval note, current circulars and internal policy.
Learning only
Verify before posting
USD trade values supported
LC Issue Commission
Formula: tenor days = expiry date minus issue date. Charge factor = 1 full quarter when tenor is 1 to 90 days; after that, 1 + (tenor days - 90) / 90. Commission in USD = LC value x rate % x charge factor. Commission in BDT = USD commission x conversion rate.
LC Amendment Commission
Formula: existing LC extension charge = existing LC value x rate % x extra extension factor. Extra extension factor = new LC charge factor minus old LC charge factor. Increased value charge follows your stated rule: amendment within first 90 days gets a full-quarter factor of 1; amendment after day 90 uses remaining days / 90.
Maturity Date Calculator
Formula: maturity date = base date + tenor days + buffer days. Use it for LC expiry, shipment diary, UPAS maturity, bill retirement, IMP closure and EXP follow-up.
UPAS Financing Cost
Formula: finance cost = USD amount x annual rate % x tenor days / day-count basis. BDT cost = USD cost x conversion rate.
Export Bill Discounting
Formula: discount charge = bill amount x annual discount rate % x discount days / day-count basis. Net proceeds = bill amount - discount charge.
Overdue or Forced-Loan Interest
Formula: interest = principal x annual interest rate % x overdue days / day-count basis. Check approved rate and classification before posting.
Loan EMI and Amortization
Formula: EMI = P x r x (1 + r)^n / ((1 + r)^n - 1). Here P = loan amount, r = monthly rate, n = tenor in months.