Net Stable Funding Ratio (NSFR) Calculator
Estimate available stable funding, compare it with required stable funding, and see the resulting long-term funding ratio.
Funding inputs
Required. USD amount; ASF factor 100%.
Required. USD amount; ASF factor 95%.
Required. USD amount; ASF factor 90%.
Required. USD amount; ASF factor 50%.
Required. USD amount greater than zero.
Live results
Net stable funding ratio
119.29%
Available stable funding
$41,750,000.00
Required stable funding
$35,000,000.00
Funding surplus / shortfall
+$6,750,000.00
Benchmark position
19.29 pp above
Available stable funding breakdown
| Funding source | Amount | ASF factor | Weighted ASF |
|---|---|---|---|
| Regulatory capital | $10,000,000.00 | 100.00% | $10,000,000.00 |
| Stable demand deposits | $15,000,000.00 | 95.00% | $14,250,000.00 |
| Less stable demand deposits | $10,000,000.00 | 90.00% | $9,000,000.00 |
| Funding from corporations | $17,000,000.00 | 50.00% | $8,500,000.00 |
How to use this NSFR calculator
What this calculator does
This calculator estimates a simplified net stable funding ratio, or NSFR, from four sources of available stable funding and one supplied required stable funding amount. It applies fixed available stable funding (ASF) factors of 100%, 95%, 90%, and 50% to the four funding categories, adds the weighted amounts, and divides that total by required stable funding (RSF). The result is useful for understanding the mechanics of the ratio and for checking a compact funding scenario. It is not a complete regulatory reporting engine: the full Basel framework contains many more liability, capital, asset, derivative, and off-balance-sheet categories, plus jurisdiction-specific implementation rules.
When to use it
Use the calculator when you want to test how a change in the stability mix of funding affects a bank-style funding ratio, reproduce a classroom or training example, compare a simplified scenario with the Basel 100% benchmark, or explain why two funding sources with the same nominal amount can contribute different amounts of stable funding. For actual regulatory reporting, use the applicable supervisory rules and institution-level data rather than this compact model.
How to calculate
- The calculator opens with a complete demonstration: $10 million of regulatory capital, $15 million of stable demand deposits, $10 million of less stable demand deposits, $17 million of corporate funding, and $35 million of required stable funding. The initial results and the Excel workbook are immediately available.
- Replace any amount with your own non-negative USD value. Use digits with an optional decimal point and conventional U.S. comma grouping, such as 12,500,000 or 12500000.50. Required stable funding must be greater than zero.
- Read the live Net stable funding ratio, the weighted Available stable funding, the supplied Required stable funding, the dollar Funding surplus / shortfall, and the Benchmark position. The table shows exactly how each ASF factor contributes to the total.
- Select Download Excel to generate a current-state .xlsx workbook containing the inputs, results, weighted breakdown, and notes. Select Reset to clear all five data fields, results, and workbook state. After Reset, Excel export remains unavailable until a complete valid set of values is entered again.
Input guide
Regulatory capital is a required non-negative USD amount. In this model it receives a 100% ASF factor, so every additional dollar increases available stable funding by one dollar. A realistic example is $10,000,000. Do not enter a negative amount, a currency code, scientific notation, or ambiguous decimal-comma text.
Stable demand deposits is a required non-negative USD amount with a 95% ASF factor. A $15,000,000 balance contributes $14,250,000 to ASF. Increasing this field raises ASF by $0.95 for each added dollar. The most common interpretation mistake is treating the factor as a separate user-entered percentage; here it is fixed by the calculator model.
Less stable demand deposits is a required non-negative USD amount with a 90% ASF factor. A $10,000,000 balance contributes $9,000,000. Higher values increase NSFR, but less than an equal increase in regulatory capital or stable demand deposits because the factor is lower.
Funding from corporations is a required non-negative USD amount with a 50% ASF factor. A $17,000,000 amount contributes $8,500,000. Because only half of the nominal amount is counted as ASF in this simplified model, assuming the full amount is stable would materially overstate the ratio.
Required stable funding is a required positive USD amount. A realistic example is $35,000,000. It is the denominator of NSFR, so increasing RSF while funding inputs stay unchanged lowers the ratio. Zero is rejected because division by zero has no meaningful NSFR interpretation.
Output guide
Net stable funding ratio is ASF divided by RSF and is displayed as a percentage. It is the primary comparison measure. A value of 100% means ASF equals RSF; above 100% means the simplified scenario has more ASF than RSF; below 100% means a shortfall relative to that benchmark. Available stable funding is the sum of the four weighted funding contributions. Required stable funding repeats the denominator you supplied so the comparison remains visible. Funding surplus / shortfall is ASF minus RSF in dollars; positive values are a surplus, zero is exact balance, and negative values are a shortfall. Benchmark position expresses the NSFR distance from 100% in percentage points.
In the breakdown table, Funding source identifies the category, Amount is the entered nominal balance, ASF factor is the fixed weighting applied by this model, and Weighted ASF is the amount times the factor. Those four weighted values cross-foot exactly to total ASF.
Worked example
Using the opening values, weighted ASF is $10,000,000 + ($15,000,000 × 95%) + ($10,000,000 × 90%) + ($17,000,000 × 50%) = $41,750,000. Dividing $41,750,000 by required stable funding of $35,000,000 gives 1.192857..., displayed as 119.29%. The dollar funding gap is $41,750,000 – $35,000,000 = +$6,750,000.00, and the ratio stands 19.29 percentage points above the 100% benchmark.
Learn more
The Basel Framework chapter on available and required stable funding explains how ASF and RSF are defined in the full regulatory framework. The Basel Committee's final NSFR standard describes the one-year stable funding objective and the structure of the ratio.
How the NSFR formula works
The ratio compares funding expected to remain reliable over the relevant horizon with the amount of stable funding required by the asset and activity profile. In a full regulatory calculation, the precise classification and weighting of balances matter as much as the headline ratio. The Basel Committee's NSFR interpretation FAQs illustrate why detailed classification questions can affect real-world implementation.
Interpreting the result responsibly
Under the Basel framework, 100% is the standard NSFR benchmark: available stable funding should be at least as large as required stable funding. A higher simplified result indicates more counted stable funding relative to RSF, but it does not by itself establish that an institution complies with every applicable liquidity rule. National implementations can tailor scope and calibration. In the United States, for example, the federal banking agencies' NSFR final-rule announcement explains that requirements are tailored across covered large banking organizations.