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CostBasis.com


Amortization Calculator for Cost Basis of Bonds

Here is a handy tool to help you amortize the premium or discount on bonds or notes by the yield to maturity method when it is required by the tax code, as more fully explained under the "Bonds & Notes" section of this website.

See note below for how to handle more complicated bonds with multiple call dates bought at a premium. 

Once you have the amortization table, you can calculate your cost basis at any point in time by "interpolating" between the value points.  For instance, if a bond is sold in the middle of a month,  prorate the premium that would have been amortized for that month for the number of days that you held it, and add that to the amortized cost basis value for the previous period.
     Click on the image below to access 
      our amortization table generator.
      It will automatically compute the
      adjusted cost basis of your bond 
         over the term of the bond.

Amortization Table Generator
Amortization Calculator
The amortization table generator is not set up to generate the proper amortization for the entire term of a tax-exempt bond bought at a premium with multiple call dates.  This is a special case which requires more manual processing.  See a sample amortization in our Excel worksheet by clicking the image to the right.  This worksheet has an example of bond premium amortization for a municipal bond with multiple calls which you can use as a guide.  Basically, you can use the amortization table generator for each phase of the bond after you determine the yield to call and call price to use for each phase.  You will need to recalculate all the yields at the end of each phase.

"An investment in knowledge always pays the best interest."                  
                      --Benjamin Franklin

Document
Sample Callable Bond Amortization


Information provided is intended solely for cash-basis U.S. citizen individual taxpayers and is believed to be accurate for most cases but is not guaranteed. Always consult your personal tax advisor about your own situation. Suggestions are most welcome. Please email our webmaster @ costbasis.com with your comments.   If this website has been helpful to you, please consider making a donation to support our efforts.

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