{"product_id":"basis-point","title":"Basis Point Calculator","description":"\u003cstyle\u003e\n.bp-calculator {\n  --ink: #0f172a;\n  --muted: #475569;\n  --border: #e2e8f0;\n  --surface: #ffffff;\n  --tint: #f8fafc;\n  --primary: #1d4ed8;\n  --accent: #c2410c;\n  --accent-hover: #9a3412;\n  --chart-1: #1e40af;\n  --chart-2: #0d9488;\n  --chart-3: #7c3aed;\n  --chart-4: #be185d;\n  --chart-5: #334155;\n  container: bpcalc \/ inline-size;\n  width: 100%;\n  max-width: 1200px;\n  margin: 0 auto;\n  color: var(--ink);\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, \"Segoe UI\", sans-serif;\n  font-size: 15px;\n  line-height: 1.55;\n  overflow-wrap: anywhere;\n}\n.bp-calculator,\n.bp-calculator *,\n.bp-calculator *::before,\n.bp-calculator *::after {\n  box-sizing: border-box;\n}\n.bp-calculator [hidden] {\n  display: none !important;\n}\n.bp-calculator button,\n.bp-calculator input,\n.bp-calculator select {\n  font: inherit;\n}\n.bp-calculator button,\n.bp-calculator a,\n.bp-calculator input,\n.bp-calculator select,\n.bp-calculator summary {\n  -webkit-tap-highlight-color: transparent;\n}\n.bp-calculator a {\n  color: var(--primary);\n  text-decoration-thickness: 1px;\n  text-underline-offset: 2px;\n}\n.bp-calculator a:hover {\n  text-decoration-thickness: 2px;\n}\n.bp-calculator :focus-visible {\n  outline: 3px solid rgba(29, 78, 216, .34);\n  outline-offset: 2px;\n}\n.bp-calculator .bp-header,\n.bp-calculator .bp-toolbar,\n.bp-calculator .bp-workspace,\n.bp-calculator .bp-table-section,\n.bp-calculator .bp-education {\n  min-width: 0;\n}\n.bp-calculator .bp-header {\n  padding: 24px 24px 16px;\n  background: var(--surface);\n  border-bottom: 1px solid var(--border);\n  border-radius: 8px 8px 0 0;\n}\n.bp-calculator .bp-title-row {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: flex-start;\n  justify-content: space-between;\n  gap: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-title-copy {\n  flex: 1 1 520px;\n  min-width: 0;\n}\n.bp-calculator .bp-title {\n  margin: 0;\n  color: var(--ink);\n  font-size: 24px;\n  line-height: 1.25;\n  font-weight: 700;\n  letter-spacing: -.02em;\n}\n.bp-calculator .bp-subtitle {\n  max-width: 760px;\n  margin: 8px 0 0;\n  color: var(--muted);\n  font-size: 15px;\n}\n.bp-calculator .bp-status {\n  display: inline-flex;\n  align-items: center;\n  gap: 8px;\n  flex: 0 0 auto;\n  padding: 7px 10px;\n  color: #14532d;\n  background: #f0fdf4;\n  border: 1px solid #bbf7d0;\n  border-radius: 999px;\n  font-size: 13px;\n  font-weight: 600;\n  white-space: nowrap;\n}\n.bp-calculator .bp-status-dot {\n  width: 8px;\n  height: 8px;\n  background: #15803d;\n  border-radius: 50%;\n}\n.bp-calculator .bp-pills {\n  display: flex;\n  flex-wrap: wrap;\n  gap: 8px;\n  margin-top: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-pill {\n  display: inline-flex;\n  align-items: baseline;\n  gap: 6px;\n  min-width: 0;\n  padding: 7px 10px;\n  color: var(--muted);\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 999px;\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-pill strong {\n  color: var(--ink);\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.bp-calculator .bp-toolbar {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: center;\n  gap: 10px;\n  padding: 16px 24px;\n  background: var(--surface);\n  border-bottom: 1px solid var(--border);\n}\n.bp-calculator .bp-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  gap: 10px;\n  min-height: 44px;\n  padding: 11px 18px;\n  border-radius: 6px;\n  border: 1px solid transparent;\n  font-size: 15px;\n  font-weight: 650;\n  line-height: 1.2;\n  cursor: pointer;\n  white-space: nowrap;\n  transition: background-color .15s ease, border-color .15s ease, box-shadow .15s ease, transform .15s ease;\n}\n.bp-calculator .bp-button:hover {\n  box-shadow: 0 2px 6px rgba(15, 23, 42, .12);\n}\n.bp-calculator .bp-button:active {\n  transform: translateY(1px);\n}\n.bp-calculator .bp-download {\n  color: #ffffff;\n  background: var(--accent);\n  border-color: var(--accent);\n}\n.bp-calculator .bp-download:hover {\n  background: var(--accent-hover);\n  border-color: var(--accent-hover);\n}\n.bp-calculator .bp-reset {\n  color: var(--ink);\n  background: var(--surface);\n  border-color: #cbd5e1;\n}\n.bp-calculator .bp-reset:hover {\n  background: var(--tint);\n  border-color: #94a3b8;\n}\n.bp-calculator .bp-button-icon {\n  width: 18px;\n  height: 18px;\n  flex: 0 0 18px;\n}\n.bp-calculator .bp-workspace {\n  display: grid;\n  grid-template-columns: minmax(0, 1fr);\n  gap: 16px;\n  padding: 24px;\n  min-width: 0;\n}\n.bp-calculator .bp-panel {\n  min-width: 0;\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.bp-calculator .bp-panel-head {\n  padding: 16px 16px 12px;\n  border-bottom: 1px solid var(--border);\n}\n.bp-calculator .bp-section-title {\n  margin: 0;\n  color: var(--ink);\n  font-size: 18px;\n  line-height: 1.35;\n  font-weight: 650;\n}\n.bp-calculator .bp-section-copy {\n  margin: 4px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-panel-body {\n  padding: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-field-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-field {\n  display: flex;\n  flex-direction: column;\n  min-width: 0;\n}\n.bp-calculator .bp-label {\n  display: block;\n  margin-bottom: 6px;\n  color: var(--ink);\n  font-size: 14px;\n  font-weight: 600;\n}\n.bp-calculator .bp-control-wrap {\n  position: relative;\n  min-width: 0;\n}\n.bp-calculator .bp-control {\n  width: 100%;\n  min-width: 0;\n  min-height: 44px;\n  padding: 10px 12px;\n  color: var(--ink);\n  background: var(--surface);\n  border: 1px solid #cbd5e1;\n  border-radius: 6px;\n  font-size: 15px;\n  line-height: 1.3;\n  font-variant-numeric: tabular-nums;\n  appearance: none;\n}\n.bp-calculator .bp-control:hover {\n  border-color: #94a3b8;\n}\n.bp-calculator .bp-control:focus {\n  border-color: var(--primary);\n  box-shadow: 0 0 0 3px rgba(29, 78, 216, .12);\n  outline: none;\n}\n.bp-calculator .bp-control.bp-has-prefix {\n  padding-left: 30px;\n}\n.bp-calculator .bp-control.bp-has-suffix {\n  padding-right: 54px;\n}\n.bp-calculator .bp-affix {\n  position: absolute;\n  top: 50%;\n  transform: translateY(-50%);\n  color: var(--muted);\n  font-size: 14px;\n  font-weight: 600;\n  pointer-events: none;\n}\n.bp-calculator .bp-prefix {\n  left: 12px;\n}\n.bp-calculator .bp-suffix {\n  right: 12px;\n}\n.bp-calculator .bp-help,\n.bp-calculator .bp-error {\n  min-height: 40px;\n  margin: 6px 0 0;\n  font-size: 13px;\n  font-weight: 500;\n  line-height: 1.45;\n}\n.bp-calculator .bp-help {\n  color: var(--muted);\n}\n.bp-calculator .bp-error {\n  color: #b91c1c;\n}\n.bp-calculator .bp-divider {\n  height: 1px;\n  margin: 20px 0;\n  background: var(--border);\n}\n.bp-calculator .bp-impact-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-results {\n  display: grid;\n  align-content: start;\n  gap: 16px;\n  min-width: 0;\n}\n.bp-calculator .bp-primary-result {\n  padding: 20px;\n  color: #ffffff;\n  background: #172554;\n  border-radius: 8px;\n}\n.bp-calculator .bp-primary-kicker {\n  margin: 0;\n  color: #dbeafe;\n  font-size: 13px;\n  font-weight: 600;\n  text-transform: uppercase;\n  letter-spacing: .06em;\n}\n.bp-calculator .bp-primary-value {\n  margin: 6px 0 0;\n  font-size: 30px;\n  line-height: 1.2;\n  font-weight: 700;\n  letter-spacing: -.02em;\n  font-variant-numeric: tabular-nums;\n}\n.bp-calculator .bp-primary-note {\n  margin: 8px 0 0;\n  color: #dbeafe;\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-result-grid {\n  display: grid;\n  grid-template-columns: repeat(2, minmax(0, 1fr));\n  gap: 12px;\n  min-width: 0;\n}\n.bp-calculator .bp-result-card {\n  min-width: 0;\n  padding: 14px;\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n}\n.bp-calculator .bp-result-label {\n  margin: 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 600;\n}\n.bp-calculator .bp-result-value {\n  margin: 4px 0 0;\n  color: var(--ink);\n  font-size: 20px;\n  line-height: 1.3;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.bp-calculator .bp-result-meta {\n  margin: 5px 0 0;\n  color: var(--muted);\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-impact-card {\n  padding: 16px;\n  background: #eff6ff;\n  border: 1px solid #bfdbfe;\n  border-radius: 8px;\n}\n.bp-calculator .bp-impact-title {\n  margin: 0;\n  color: #1e3a8a;\n  font-size: 14px;\n  font-weight: 650;\n}\n.bp-calculator .bp-impact-value {\n  margin: 5px 0 0;\n  color: #172554;\n  font-size: 26px;\n  line-height: 1.25;\n  font-weight: 700;\n  font-variant-numeric: tabular-nums;\n}\n.bp-calculator .bp-impact-text {\n  margin: 7px 0 0;\n  color: #1e3a8a;\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-live {\n  position: absolute;\n  width: 1px;\n  height: 1px;\n  padding: 0;\n  margin: -1px;\n  overflow: hidden;\n  clip: rect(0, 0, 0, 0);\n  white-space: nowrap;\n  border: 0;\n}\n.bp-calculator .bp-table-section {\n  padding: 0 24px 24px;\n  min-width: 0;\n}\n.bp-calculator .bp-table-card {\n  min-width: 0;\n  padding: 16px;\n  background: var(--surface);\n  border: 1px solid var(--border);\n  border-radius: 8px;\n  box-shadow: 0 1px 2px rgba(15, 23, 42, .06);\n}\n.bp-calculator .bp-table-head {\n  display: flex;\n  flex-wrap: wrap;\n  align-items: flex-end;\n  justify-content: space-between;\n  gap: 12px;\n  min-width: 0;\n  margin-bottom: 14px;\n}\n.bp-calculator .bp-table-overflow {\n  min-width: 0;\n  overflow-x: auto;\n  border: 1px solid var(--border);\n  border-radius: 6px;\n}\n.bp-calculator .bp-table {\n  width: 100%;\n  min-width: 640px;\n  border-collapse: collapse;\n  color: var(--ink);\n  font-size: 14px;\n}\n.bp-calculator .bp-table th,\n.bp-calculator .bp-table td {\n  padding: 11px 12px;\n  text-align: left;\n  vertical-align: top;\n  border-bottom: 1px solid var(--border);\n}\n.bp-calculator .bp-table th {\n  color: #ffffff;\n  background: #1e293b;\n  font-size: 13px;\n  font-weight: 650;\n  white-space: nowrap;\n}\n.bp-calculator .bp-table tbody tr:last-child td {\n  border-bottom: 0;\n}\n.bp-calculator .bp-table tbody tr:nth-child(even) td {\n  background: var(--tint);\n}\n.bp-calculator .bp-table .bp-number-cell {\n  text-align: right;\n  font-variant-numeric: tabular-nums;\n  white-space: nowrap;\n}\n.bp-calculator .bp-table-note {\n  margin-top: 16px;\n  padding: 10px 12px;\n  color: var(--muted);\n  background: var(--tint);\n  border: 1px solid var(--border);\n  border-radius: 6px;\n  font-size: 13px;\n  font-weight: 500;\n}\n.bp-calculator .bp-safe-table-stack .bp-table-note {\n  margin-top: 20px;\n}\n.bp-calculator .bp-chart-card {\n  min-width: 0;\n}\n.bp-calculator .bp-chart-empty {\n  padding: 12px;\n  color: var(--muted);\n  background: var(--tint);\n  border: 1px dashed #cbd5e1;\n  border-radius: 6px;\n  font-size: 13px;\n  font-weight: 500;\n  text-align: center;\n}\n.bp-calculator .bp-safe-chart-stack {\n  display: grid !important;\n  grid-template-columns: minmax(0, 1fr) !important;\n  row-gap: 20px !important;\n  height: auto !important;\n  min-height: 0 !important;\n}\n.bp-calculator .bp-safe-chart-stack .bp-chart-caption {\n  margin-top: 16px !important;\n}\n.bp-calculator .bp-education {\n  padding: 24px;\n  background: var(--surface);\n  border-top: 1px solid var(--border);\n  border-radius: 0 0 8px 8px;\n}\n.bp-calculator .bp-education-inner {\n  max-width: 900px;\n  min-width: 0;\n}\n.bp-calculator .bp-education h2 {\n  margin: 0 0 12px;\n  color: var(--ink);\n  font-size: 24px;\n  line-height: 1.3;\n  font-weight: 700;\n  letter-spacing: -.015em;\n}\n.bp-calculator .bp-education h3 {\n  margin: 24px 0 8px;\n  color: var(--ink);\n  font-size: 18px;\n  line-height: 1.4;\n  font-weight: 650;\n}\n.bp-calculator .bp-education p,\n.bp-calculator .bp-education li {\n  color: #334155;\n  font-size: 15px;\n}\n.bp-calculator .bp-education p {\n  margin: 0 0 12px;\n}\n.bp-calculator .bp-education ul {\n  margin: 8px 0 14px;\n  padding-left: 22px;\n}\n.bp-calculator .bp-education li + li {\n  margin-top: 6px;\n}\n.bp-calculator .bp-formula {\n  display: block;\n  max-width: 680px;\n  margin: 12px 0;\n  padding: 12px 14px;\n  color: #172554;\n  background: #eff6ff;\n  border: 1px solid #bfdbfe;\n  border-radius: 6px;\n  font-weight: 650;\n  font-variant-numeric: tabular-nums;\n}\n@container bpcalc (min-width: 900px) {\n  .bp-calculator .bp-workspace {\n    grid-template-columns: minmax(0, 1.08fr) minmax(320px, .92fr);\n    align-items: start;\n  }\n}\n@container bpcalc (max-width: 639px) {\n  .bp-calculator .bp-header,\n  .bp-calculator .bp-toolbar,\n  .bp-calculator .bp-workspace,\n  .bp-calculator .bp-table-section,\n  .bp-calculator .bp-education {\n    padding-left: 16px;\n    padding-right: 16px;\n  }\n  .bp-calculator .bp-header {\n    padding-top: 20px;\n  }\n  .bp-calculator .bp-field-grid,\n  .bp-calculator .bp-impact-grid,\n  .bp-calculator .bp-result-grid {\n    grid-template-columns: minmax(0, 1fr);\n  }\n  .bp-calculator .bp-button {\n    flex: 1 1 auto;\n  }\n  .bp-calculator .bp-download {\n    flex: 1 1 100%;\n  }\n  .bp-calculator .bp-status {\n    white-space: normal;\n  }\n}\n@media (max-width: 899px) {\n  .bp-calculator .bp-workspace {\n    grid-template-columns: minmax(0, 1fr);\n  }\n}\n@media (prefers-reduced-motion: reduce) {\n  .bp-calculator .bp-button {\n    transition: none;\n  }\n}\n\u003c\/style\u003e\n\u003cdiv class=\"bp-calculator\" data-calculator-root\u003e\n  \u003csection class=\"bp-header\" aria-labelledby=\"bp-title\"\u003e\n    \u003cdiv class=\"bp-title-row\"\u003e\n      \u003cdiv class=\"bp-title-copy\"\u003e\n        \u003ch2 class=\"bp-title\" id=\"bp-title\"\u003eBasis Point Calculator\u003c\/h2\u003e\n        \u003cp class=\"bp-subtitle\"\u003eConvert decimal rates, percentages, permille values, and basis points, then calculate the dollar impact of a basis-point change.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"bp-status\" aria-label=\"Calculator updates automatically\"\u003e\n\u003cspan class=\"bp-status-dot\" aria-hidden=\"true\"\u003e\u003c\/span\u003eLive calculation\u003c\/div\u003e\n    \u003c\/div\u003e\n    \u003cdiv class=\"bp-pills\" aria-label=\"Current calculation summary\"\u003e\n      \u003cspan class=\"bp-pill\"\u003e\u003cstrong\u003e1 bp\u003c\/strong\u003e = 0.01%\u003c\/span\u003e\n      \u003cspan class=\"bp-pill\"\u003e\u003cstrong\u003e100 bps\u003c\/strong\u003e = 1%\u003c\/span\u003e\n      \u003cspan class=\"bp-pill\"\u003eCurrent: \u003cstrong data-bp-pill-bps\u003e1.5 bps\u003c\/strong\u003e\u003c\/span\u003e\n      \u003cspan class=\"bp-pill\"\u003eImpact: \u003cstrong data-bp-pill-impact\u003e$9.75\u003c\/strong\u003e\u003c\/span\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003cdiv class=\"bp-toolbar\" role=\"toolbar\" aria-label=\"Calculator actions\"\u003e\n    \u003cbutton class=\"bp-button bp-download\" type=\"button\" data-bp-download\u003e\n      \u003csvg class=\"bp-button-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\u003cpath fill=\"currentColor\" d=\"M5 3h10l4 4v14H5V3Zm2 2v14h10V8h-3V5H7Zm5 5v4.17l1.59-1.58L15 14l-4 4-4-4 1.41-1.41L10 14.17V10h2Z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n      \u003cspan\u003eDownload Excel\u003c\/span\u003e\n    \u003c\/button\u003e\n    \u003cbutton class=\"bp-button bp-reset\" type=\"button\" data-bp-reset\u003e\n      \u003csvg class=\"bp-button-icon\" viewbox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"\u003e\u003cpath fill=\"currentColor\" d=\"M12 5a7 7 0 1 1-6.32 10H8a5 5 0 1 0 1-5.98V12H7V6h6v2H9.78A6.97 6.97 0 0 1 12 5Z\"\u003e\u003c\/path\u003e\u003c\/svg\u003e\n      \u003cspan\u003eReset\u003c\/span\u003e\n    \u003c\/button\u003e\n  \u003c\/div\u003e\n\n  \u003cdiv class=\"bp-workspace\"\u003e\n    \u003csection class=\"bp-panel\" aria-labelledby=\"bp-inputs-title\"\u003e\n      \u003cdiv class=\"bp-panel-head\"\u003e\n        \u003ch3 class=\"bp-section-title\" id=\"bp-inputs-title\"\u003eRate conversion\u003c\/h3\u003e\n        \u003cp class=\"bp-section-copy\"\u003eEnter a value in any one field. The other units update from the same rate.\u003c\/p\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"bp-panel-body\"\u003e\n        \u003cdiv class=\"bp-field-grid\"\u003e\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-decimal\"\u003eDecimal value\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cinput class=\"bp-control\" id=\"bp-decimal\" data-bp-input=\"decimal\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0.00015\" aria-describedby=\"bp-decimal-help bp-decimal-error\"\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-decimal-help\"\u003eExample: 0.0001 equals one basis point.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-decimal-error\" data-bp-error=\"decimal\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-percent\"\u003ePercent\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cinput class=\"bp-control bp-has-suffix\" id=\"bp-percent\" data-bp-input=\"percent\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0.015\" aria-describedby=\"bp-percent-help bp-percent-error\"\u003e\n              \u003cspan class=\"bp-affix bp-suffix\" aria-hidden=\"true\"\u003e%\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-percent-help\"\u003eA percentage-point value, not a relative percent change.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-percent-error\" data-bp-error=\"percent\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-permille\"\u003ePermille\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cinput class=\"bp-control bp-has-suffix\" id=\"bp-permille\" data-bp-input=\"permille\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"0.15\" aria-describedby=\"bp-permille-help bp-permille-error\"\u003e\n              \u003cspan class=\"bp-affix bp-suffix\" aria-hidden=\"true\"\u003e‰\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-permille-help\"\u003ePermille means parts per thousand.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-permille-error\" data-bp-error=\"permille\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-basis-points\"\u003eBasis points\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cinput class=\"bp-control bp-has-suffix\" id=\"bp-basis-points\" data-bp-input=\"basisPoints\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"1.5\" aria-describedby=\"bp-basis-points-help bp-basis-points-error\"\u003e\n              \u003cspan class=\"bp-affix bp-suffix\" aria-hidden=\"true\"\u003ebps\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-basis-points-help\"\u003eOne basis point is one-hundredth of one percentage point.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-basis-points-error\" data-bp-error=\"basisPoints\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n\n        \u003cdiv class=\"bp-divider\" aria-hidden=\"true\"\u003e\u003c\/div\u003e\n\n        \u003cdiv class=\"bp-panel-head\" style=\"padding:0 0 12px;border:0;\"\u003e\n          \u003ch3 class=\"bp-section-title\"\u003eWhat is x bps of an amount?\u003c\/h3\u003e\n          \u003cp class=\"bp-section-copy\"\u003eUse this section to translate a rate movement into a currency amount.\u003c\/p\u003e\n        \u003c\/div\u003e\n        \u003cdiv class=\"bp-impact-grid\"\u003e\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-applied-bps\"\u003eApplied basis points\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cinput class=\"bp-control bp-has-suffix\" id=\"bp-applied-bps\" data-bp-input=\"appliedBps\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"1.5\" aria-describedby=\"bp-applied-bps-help bp-applied-bps-error\"\u003e\n              \u003cspan class=\"bp-affix bp-suffix\" aria-hidden=\"true\"\u003ebps\u003c\/span\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-applied-bps-help\"\u003eNegative values model a decrease.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-applied-bps-error\" data-bp-error=\"appliedBps\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n          \u003cdiv class=\"bp-field\"\u003e\n            \u003clabel class=\"bp-label\" for=\"bp-amount\"\u003eAmount\u003c\/label\u003e\n            \u003cdiv class=\"bp-control-wrap\"\u003e\n              \u003cspan class=\"bp-affix bp-prefix\" aria-hidden=\"true\"\u003e$\u003c\/span\u003e\n              \u003cinput class=\"bp-control bp-has-prefix\" id=\"bp-amount\" data-bp-input=\"amount\" type=\"text\" inputmode=\"decimal\" autocomplete=\"off\" value=\"65,000.00\" aria-describedby=\"bp-amount-help bp-amount-error\"\u003e\n            \u003c\/div\u003e\n            \u003cp class=\"bp-help\" id=\"bp-amount-help\"\u003eEnter a nonnegative principal, portfolio value, fee base, or transaction amount.\u003c\/p\u003e\n            \u003cp class=\"bp-error\" id=\"bp-amount-error\" data-bp-error=\"amount\" hidden\u003e\u003c\/p\u003e\n          \u003c\/div\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n    \u003c\/section\u003e\n\n    \u003csection class=\"bp-results\" aria-labelledby=\"bp-results-title\"\u003e\n      \u003cdiv class=\"bp-primary-result\"\u003e\n        \u003cp class=\"bp-primary-kicker\" id=\"bp-results-title\"\u003ePercent equivalent\u003c\/p\u003e\n        \u003cp class=\"bp-primary-value\" data-bp-primary\u003e0.015%\u003c\/p\u003e\n        \u003cp class=\"bp-primary-note\" data-bp-primary-note\u003e1.5 basis points equals 0.015 percentage points.\u003c\/p\u003e\n      \u003c\/div\u003e\n\n      \u003cdiv class=\"bp-result-grid\"\u003e\n        \u003carticle class=\"bp-result-card\"\u003e\n          \u003cp class=\"bp-result-label\"\u003eDecimal value\u003c\/p\u003e\n          \u003cp class=\"bp-result-value\" data-bp-result=\"decimal\"\u003e0.00015\u003c\/p\u003e\n          \u003cp class=\"bp-result-meta\"\u003eRate expressed as a fraction of 1\u003c\/p\u003e\n        \u003c\/article\u003e\n        \u003carticle class=\"bp-result-card\"\u003e\n          \u003cp class=\"bp-result-label\"\u003ePermille\u003c\/p\u003e\n          \u003cp class=\"bp-result-value\" data-bp-result=\"permille\"\u003e0.15‰\u003c\/p\u003e\n          \u003cp class=\"bp-result-meta\"\u003eParts per thousand\u003c\/p\u003e\n        \u003c\/article\u003e\n        \u003carticle class=\"bp-result-card\"\u003e\n          \u003cp class=\"bp-result-label\"\u003eBasis points\u003c\/p\u003e\n          \u003cp class=\"bp-result-value\" data-bp-result=\"basisPoints\"\u003e1.5 bps\u003c\/p\u003e\n          \u003cp class=\"bp-result-meta\"\u003eAbsolute rate movement\u003c\/p\u003e\n        \u003c\/article\u003e\n        \u003carticle class=\"bp-result-card\"\u003e\n          \u003cp class=\"bp-result-label\"\u003ePermyriad\u003c\/p\u003e\n          \u003cp class=\"bp-result-value\" data-bp-result=\"permyriad\"\u003e1.5‱\u003c\/p\u003e\n          \u003cp class=\"bp-result-meta\"\u003eParts per ten thousand\u003c\/p\u003e\n        \u003c\/article\u003e\n      \u003c\/div\u003e\n\n      \u003carticle class=\"bp-impact-card\"\u003e\n        \u003cp class=\"bp-impact-title\"\u003eDollar impact\u003c\/p\u003e\n        \u003cp class=\"bp-impact-value\" data-bp-impact\u003e$9.75\u003c\/p\u003e\n        \u003cp class=\"bp-impact-text\" data-bp-impact-text\u003e1.5 bps of $65,000.00 is $9.75. After an increase, the amount becomes $65,009.75.\u003c\/p\u003e\n      \u003c\/article\u003e\n      \u003cdiv class=\"bp-live\" aria-live=\"polite\" aria-atomic=\"true\" data-bp-live\u003e1.5 basis points equals 0.015 percent. Dollar impact is $9.75.\u003c\/div\u003e\n    \u003c\/section\u003e\n  \u003c\/div\u003e\n\n  \u003csection class=\"bp-table-section\" aria-labelledby=\"bp-table-title\"\u003e\n    \u003cdiv class=\"bp-table-card\" data-bp-table-card\u003e\n      \u003cdiv class=\"bp-table-head\"\u003e\n        \u003cdiv\u003e\n          \u003ch3 class=\"bp-section-title\" id=\"bp-table-title\"\u003eCurrent conversion details\u003c\/h3\u003e\n          \u003cp class=\"bp-section-copy\"\u003eAll rows represent the same underlying rate.\u003c\/p\u003e\n        \u003c\/div\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"bp-table-overflow\" data-bp-table-wrap\u003e\n        \u003ctable class=\"bp-table\"\u003e\n          \u003cthead\u003e\n            \u003ctr\u003e\n              \u003cth scope=\"col\"\u003eUnit\u003c\/th\u003e\n              \u003cth scope=\"col\" class=\"bp-number-cell\"\u003eCurrent value\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003eRelationship to basis points\u003c\/th\u003e\n              \u003cth scope=\"col\"\u003ePractical meaning\u003c\/th\u003e\n            \u003c\/tr\u003e\n          \u003c\/thead\u003e\n          \u003ctbody data-bp-table-body\u003e\u003c\/tbody\u003e\n        \u003c\/table\u003e\n      \u003c\/div\u003e\n      \u003cdiv class=\"bp-table-note\" data-bp-table-note\u003eBasis points describe an absolute change in a rate. A move from 4.00% to 4.25% is a 25-basis-point increase, not a 25% relative increase.\u003c\/div\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\n  \u003csection class=\"bp-education\" aria-labelledby=\"bp-guide-title\"\u003e\n    \u003cdiv class=\"bp-education-inner\"\u003e\n      \u003ch2 id=\"bp-guide-title\"\u003eHow to use and interpret the basis point calculator\u003c\/h2\u003e\n      \u003cp\u003eThis calculator converts one rate across four equivalent units and applies a basis-point change to a dollar amount. It is designed for interest rates, bond yields, credit spreads, management fees, commissions, mortgage pricing, and other financial quantities commonly quoted in basis points. The conversion fields are linked: enter a value in any one of them and the other three update from the same underlying rate.\u003c\/p\u003e\n\n      \u003ch3\u003eWhat each input means\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003eDecimal value\u003c\/strong\u003e is the rate written as a fraction of one. One basis point is 0.0001 in decimal form. Use this field when a model, spreadsheet, or formula expects a raw multiplier rather than a displayed percentage. A larger positive decimal produces proportionally larger percentage, permille, and basis-point values. Negative decimals are valid when you are describing a decline.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003ePercent\u003c\/strong\u003e is the rate in percentage-point form. The key distinction is that basis points measure an absolute movement in a percentage rate. For example, a rate moving from 5.00% to 5.25% rises by 0.25 percentage points, which equals 25 basis points. It does not rise by 25% in relative terms. Enter the displayed percentage number, such as 0.25 for 0.25%.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003ePermille\u003c\/strong\u003e means parts per thousand and uses the ‰ symbol. Ten basis points equal 0.1%, which also equals 1‰. This unit is less common in U.S. finance but appears in technical, statistical, and international contexts. Enter only the numeric part; the calculator keeps the unit visible beside the field.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eBasis points\u003c\/strong\u003e are hundredths of a percentage point. One basis point equals 0.01%, while 100 basis points equal 1.00%. This field is usually the most convenient for small changes in rates or spreads. Positive values indicate an increase when applied to a base; negative values indicate a decrease.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eApplied basis points\u003c\/strong\u003e controls the dollar-impact calculation. It is independent from the conversion panel so you can compare one rate while applying another. Enter 1.5 to calculate a 1.5-basis-point effect, 25 for a quarter-percentage-point effect, or -25 for a decrease of the same size.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eAmount\u003c\/strong\u003e is the nonnegative dollar base to which the basis-point rate is applied. It may represent a portfolio balance, loan principal, transaction value, fee base, or commissionable amount. The calculator multiplies the amount by the decimal equivalent of the applied basis points. Do not enter a percentage in this field. Very large amounts can turn a seemingly small basis-point movement into a material dollar value.\u003c\/p\u003e\n\n      \u003ch3\u003eCore formulas\u003c\/h3\u003e\n      \u003cspan class=\"bp-formula\"\u003ePercent = basis points ÷ 100\u003c\/span\u003e\n      \u003cspan class=\"bp-formula\"\u003eDecimal = basis points ÷ 10,000\u003c\/span\u003e\n      \u003cspan class=\"bp-formula\"\u003ePermille = basis points ÷ 10\u003c\/span\u003e\n      \u003cspan class=\"bp-formula\"\u003eDollar impact = amount × basis points ÷ 10,000\u003c\/span\u003e\n      \u003cp\u003eThe calculator keeps full precision internally and rounds only for display and export. This avoids small inconsistencies when you switch between units or use fractional basis points. For example, 1.5 basis points equals 0.015%, 0.15‰, and 0.00015 in decimal form. Applied to $65,000, it produces a $9.75 change.\u003c\/p\u003e\n\n      \u003ch3\u003eHow to read the results\u003c\/h3\u003e\n      \u003cp\u003e\u003cstrong\u003ePercent equivalent\u003c\/strong\u003e is the main result because percentages are the most familiar way to interpret a rate. A positive result is an upward movement, zero means no change, and a negative result is a downward movement. The decimal, permille, basis-point, and permyriad cards are exact unit equivalents, not separate estimates.\u003c\/p\u003e\n      \u003cp\u003e\u003cstrong\u003eDollar impact\u003c\/strong\u003e measures the direct amount represented by the applied basis points. The text below it also shows the amount after an increase. For a negative basis-point input, the same calculation produces a negative impact and a lower resulting amount. This is a simple proportional application; it does not model compounding, payment schedules, changing balances, taxes, or transaction timing.\u003c\/p\u003e\n      \u003cp\u003eThe \u003cstrong\u003econversion details table\u003c\/strong\u003e provides a compact audit trail. Each row displays the current rate, the conversion rule, and a plain-language interpretation. The Excel export uses the same current state and formulas, so it is useful for documentation, review, or transferring the calculation into a larger financial model.\u003c\/p\u003e\n\n      \u003ch3\u003eCommon uses and interpretation mistakes\u003c\/h3\u003e\n      \u003cul\u003e\n        \u003cli\u003e\n\u003cstrong\u003eCentral-bank decisions:\u003c\/strong\u003e a 25-basis-point policy-rate increase means an absolute increase of 0.25 percentage points.\u003c\/li\u003e\n        \u003cli\u003e\n\u003cstrong\u003eBond yields and credit spreads:\u003c\/strong\u003e a spread widening from 150 to 175 basis points is a 25-basis-point widening.\u003c\/li\u003e\n        \u003cli\u003e\n\u003cstrong\u003eMortgages and loans:\u003c\/strong\u003e a rate falling from 6.80% to 6.55% is a 25-basis-point decrease.\u003c\/li\u003e\n        \u003cli\u003e\n\u003cstrong\u003eInvestment fees:\u003c\/strong\u003e an annual fee of 80 basis points equals 0.80% of the applicable asset base before considering compounding or changing balances.\u003c\/li\u003e\n      \u003c\/ul\u003e\n      \u003cp\u003eThe most common mistake is confusing percentage points with relative percentages. A move from 4% to 5% is a 1-percentage-point increase, or 100 basis points, but it is a 25% relative increase because 1 is 25% of 4. Basis points remove that ambiguity when discussing the absolute change in a rate.\u003c\/p\u003e\n\n      \u003ch3\u003eFurther reading\u003c\/h3\u003e\n      \u003cp\u003eFor context on how rates and yields are used in practice, consult the \u003ca href=\"https:\/\/www.federalreserve.gov\/monetarypolicy.htm\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFederal Reserve’s monetary policy resources\u003c\/a\u003e, the \u003ca href=\"https:\/\/home.treasury.gov\/resource-center\/data-chart-center\/interest-rates\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eU.S. Treasury interest-rate data\u003c\/a\u003e, the \u003ca href=\"https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/investment-products\/bonds-or-fixed-income-products\/bonds\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eSEC Investor.gov guide to bonds\u003c\/a\u003e, and \u003ca href=\"https:\/\/www.finra.org\/investors\/investing\/investment-products\/bonds\" target=\"_blank\" rel=\"noopener noreferrer\"\u003eFINRA’s bond education materials\u003c\/a\u003e. These sources explain the market settings in which small rate movements can affect borrowing costs, bond prices, yields, and investment returns.\u003c\/p\u003e\n      \u003cp\u003eThis tool is for general educational and calculation purposes. It does not provide personalized investment, lending, tax, or legal advice.\u003c\/p\u003e\n    \u003c\/div\u003e\n  \u003c\/section\u003e\n\u003c\/div\u003e","brand":"FinancialModelsLab","offers":[{"title":"Default Title","offer_id":49909488451827,"sku":"basis-point","price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0522\/6191\/2762\/files\/basis-point.webp?v=1783935557","url":"https:\/\/financialmodelslab.com\/products\/basis-point","provider":"Financial Models Lab","version":"1.0","type":"link"}