Convert a value between percent and basis points, and see the dollar impact of a basis-point move on a base amount.

How to Use the Basis Point Calculator

Toggle between "Percent → bps" and "bps → Percent" and enter the value for whichever direction is selected. Below the converter, enter a base amount and a basis-point figure to see the resulting dollar impact.

A basis point is one-hundredth of a percentage point — finance's answer to needing a unit smaller than a percent without resorting to decimals every time someone discusses a rate change.

Percent → bps: bps = Percent × 100
bps → Percent: Percent = bps ÷ 100

1% equals 100 basis points; 25 basis points equals 0.25%. Central bank rate decisions are almost always described in basis points for exactly this reason — "raised rates by 25 basis points" is unambiguous in a way "raised rates by a quarter of a percent" can get fuzzy around, especially when the base rate is already a fraction.

Turning bps Into Actual Dollars

Dollar Impact = Base Amount × (bps ÷ 10,000)

25 basis points on a $10,000 balance is $25 — small on a single account, but the same 25 bps applied to a $500 million loan portfolio is $1.25 million. Basis points describe a rate change; this section turns that rate change into money against whatever amount is entered, independent of the converter above it.