Finance category
Mortgage, loan, investing, tax, and money calculators.
Loan Yield Calculator
Lender all-in yield includes the coupon plus origination and exit fees amortized over the expected hold. It's the real return to a bridge or CMBS lender and the number worth comparing across loan offers — not the headline rate.
Lender all-in yield (annualized)
7.98%
Interest collected
$1,109,299
Fees collected
$75,000
Monthly P&I payment
$34,961
Principal paid down
$149,288
Balance at exit
$4,850,712
How the math works
Lender all-in yield = (interest + fees) ÷ net capital invested ÷ years. It's the IRR-adjacent measure lenders use internally — it captures origination fees, exit fees, and interest rate together, and is how bridge and CMBS lenders compare opportunities.
On short-hold bridge loans, fees can add 100-200 bps to yield. That's why 7.5% coupons turn into 9.0-9.5% all-in yields on 2-3 year bridges with 1-2% origination.
EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.
Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.
Learn more about our review process on the EveryCalc methodology page.
How this calculator works
What this page estimates
This Loan Yield Calculator is built to give a quick, browser-based estimate for loan yield. Lender all-in yield includes the coupon plus origination and exit fees amortized over the expected hold. It's the real return to a bridge or CMBS lender and the number worth comparing across loan offers — not the headline rate. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.
Calculation approach
The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.
Example workflow
For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.
Practical checks
- Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
- Run a low, base, and high case when the inputs are estimates.
- Check the related calculators below when the next decision depends on a different assumption.
How to interpret the loan yield result
Best use
Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.
Cross-check
Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.
Watch for
Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.
This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.
Before relying on this loan yield estimate
Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.
Confirm source numbers
Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.
Separate cash flow from total cost
A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.
Run conservative cases
Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.
Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.
How to Use
- Enter loan amount, interest rate, and amortization.
- Enter origination fees (points) and exit / prepayment fees.
- Enter expected hold period (usually 3 years for bridge).
- Read all-in yield, fees collected, and principal paid down.
Frequently Asked Questions
Why is fee yield 'time-sensitive'?
A 2% origination fee on a 10-year loan is 20 bps/year. The same fee on a 2-year loan is 100 bps/year — 5x the impact. Bridge loans live or die on how prepayment timing affects yield.
Exit fees vs prepayment penalties?
Exit fee = always paid at maturity. Prepayment penalty = only paid if borrower leaves early. A 0.5% exit fee is revenue; a prepayment penalty is optional based on borrower behavior.
Minimum yield targets?
Bank bridge: 8-10% all-in. Debt funds: 10-13%. Private mortgage REITs: 11-14%. Hard money: 14-18%. All-in yield — not coupon — is what gets quoted internally.
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