Basis Point Calculator CA
Convert basis points to a percentage (and back), and apply a basis‑point change to an interest rate.
How it works
Enter a number of basis points to see the equivalent percentage and decimal. Optionally enter a starting interest rate to see the new rate after the basis‑point change is applied.
Frequently asked questions
What is a basis point?
A basis point is one hundredth of a percentage point. 100 basis points equal 1%, and 1 basis point equals 0.01%.
How do I convert basis points to a percentage?
Divide the basis points by 100. 50 basis points is 50 ÷ 100 = 0.50%.
Why do people use basis points instead of percentages?
Because they avoid confusion. “100 basis points” is unambiguous, whereas “a 1% increase” could mean a one‑point rise or one percent of the existing rate.
What is 25 basis points?
25 basis points equal 0.25 percentage points — a common increment for central‑bank interest‑rate changes.
Basis Point Calculator
A basis point (bp) is one hundredth of a percentage point — a precise way to talk about small changes in interest rates, yields and fees without ambiguity.
The conversion
1 basis point = 0.01% = 0.0001. To convert basis points to a percent, divide by 100; to go the other way, multiply a percent by 100.
Quick reference
| Basis points | Percent |
|---|---|
| 25 bps | 0.25% |
| 50 bps | 0.50% |
| 100 bps | 1.00% |
Why use basis points?
Saying a rate rose “1%” is ambiguous — a one‑point rise, or 1% of the rate? “100 basis points” removes the doubt, which is why finance and central banks use them.
Results are estimates for general guidance in Canada and may not reflect the latest local rates, fees or rules. Check official sources before making decisions.