Calculate reserve percentage, total deposits, or total reserves when you enter any two values in this bank reserve calculator tool.
Customize This Calculator
Build your own version. Describe what you want changed, added, or compared.
Related Calculators
- Reserve Price Calculator
- Reverse Margin Calculator
- Target Price Calculator
- Margin Multiplier Calculator
- All Business Calculators
Reserve Percentage Formula
The reserve percentage shows what part of total deposits, or reservable liabilities, is held as reserves. The calculator can solve for total reserves, reserve percentage, or total deposits when you enter the other two values.
- TR = total amount in reserves
- TD = total deposits or reservable liabilities
- RP = reserve percentage
To find the total amount in reserves, multiply total deposits by the reserve percentage written as a decimal.
To find the reserve percentage, divide total reserves by total deposits, then multiply by 100.
To find total deposits, divide total reserves by the reserve percentage written as a decimal.
Reserve Percentage Conversions
Use this table to convert common reserve percentages into decimals for manual calculations.
| Reserve Percentage | Decimal Form | Reserves per $1,000 Deposits |
|---|---|---|
| 1% | 0.01 | $10 |
| 5% | 0.05 | $50 |
| 10% | 0.10 | $100 |
| 12.5% | 0.125 | $125 |
| 20% | 0.20 | $200 |
Reserve Calculation Examples
Example 1: Find total reserves
You have total deposits of $250,000 and a reserve percentage of 8%.
The total amount in reserves is $20,000.
Example 2: Find reserve percentage
You have $15,000 in reserves and $300,000 in total deposits.
The reserve percentage is 5%.
Reserve Percentage FAQ
What is a reserve percentage?
A reserve percentage is the percent of total deposits or reservable liabilities kept in reserve. For example, if deposits are $100,000 and reserves are $10,000, the reserve percentage is 10%.
How do you calculate reserves from a percentage?
Multiply total deposits by the reserve percentage divided by 100. For example, 6% of $50,000 is calculated as $50,000 × 0.06, which equals $3,000.
Can the reserve percentage be zero?
A reserve percentage can be zero in some theoretical cases, but you cannot use zero to calculate total deposits from reserves. The formula would require division by zero, which is undefined.
