# Interest accrual calculator

The Interest Accrual Calculator shows how much interest accrued on a loan between two dates. This is a read-only tool — it does not modify the loan. Use it when a borrower asks about interest charges, when you need to verify interest amounts, or when you want to copy the calculation into a communication to the borrower.

**Availability:** All clients
**Required permissions:** `loan.interest:read`
**Loan status:** `active`
**Loan types:** All

## Calculate interest accrued

1. From the agent-view Borrower Portal, open the loan and select **Loan options** > **Interest accrual calculator**.
2. For Line of Credit loans with draws, select the scope from the **Applicable to** dropdown: the full loan (all draws in aggregate) or a specific draw. This field only appears when the loan has draws.
3. Select the **Start date**: choose **Start of loan** to calculate from the beginning, or select a specific date.
4. Select the **End date** for the calculation. The default is today.
5. Select **Calculate interest**.


The result displays the total interest accrued between the two dates. The calculation is inclusive — interest accrued on both the start date and end date is included. To calculate a single day's interest, set the start and end date to the same value.

After viewing the result, you can select **Copy** to copy the text for use in a borrower communication, **Back** to return to the date selection, or **Reset** to clear the form.

## Field reference

| Field | Description | Required | Values / Format |
|  --- | --- | --- | --- |
| **Applicable to** | Whether to calculate interest for the full loan or a specific draw. Only shown for LOC loans with draws. | Conditional | Select: Line of credit and draws, or a specific draw |
| **Start date** | The beginning of the calculation period. | No | Radio: Start of loan, or a specific date (date picker) |
| **End date** | The end of the calculation period. Must be after the start date. | Yes | Date (default: today) |


## Related pages

- [Agent-only loan tools](/servicing-operations/agent-only-tools/agent-tools-overview)
- [Set and remove interest rates](/servicing-operations/agent-only-tools/agent-tools-interest-rates)
- [Set and manage rate caps](/servicing-operations/agent-only-tools/agent-tools-rate-caps)
- [Set and remove promo rates](/servicing-operations/agent-only-tools/agent-tools-promo-rates)