Yield Maintenance Calculator

Estimate the potential prepayment penalty on a fixed-rate commercial real estate loan using your loan balance, interest rate, remaining term, and applicable Treasury yield.

Estimate only. Actual yield maintenance premiums vary by loan agreement, lender, servicer, Treasury benchmark, payment schedule, day-count convention, prepayment date, and other contractual provisions. This calculator is for educational and planning purposes and is not an official loan payoff quote.

Loan Information

Current Loan Balance

The outstanding principal remaining on the loan today.

Annual Interest Rate

Enter as a percentage (e.g., 6 for 6%).

Remaining Loan Term

Time left until the loan matures.

Years

Months

Amortization Period (years)

Used to determine the size of each scheduled payment.

Treasury Yield

Reinvestment / discount rate per your loan documents.

Payments Per Year

How the loan is scheduled to be paid.

Minimum Prepayment Penalty (optional)

If your loan specifies a floor, enter it here. Leave blank for none.

Estimated Yield Maintenance Penalty

Enter your loan details and click Calculate Yield Maintenance to see an estimate.