This calculator shows Effective Capital using two selectable perspectives:
Conservative (Lender-focused)
- Excludes non-strategic investments
- Treats accumulated losses as reductions
- Treats deferred expenses as reductions
- More stringent capital assessment
Operating (Management View)
- Includes strategic investments as capital
- More flexible capital assessment
- Reflects operational reality
- Better for internal planning
Important Note: This tool provides quick guidance only. For certified bank submissions or ROC filings, consult Lawgical Station for professional assistance.
