How Is a Stock’s Short Interest Ratio Calculated? To calculate days to cover, simply divide a stock’s short interest (number of shares currently sold short) by its average daily trading volume.

Lenders calculate how much interest you’ll pay with each payment in two main ways: simple or on an amortization schedule.

Any loan offer’s final interest rate and terms will depend on your qualifications. Before committing to a small-business loan, it’s a good idea to calculate the overall cost you’ll be paying.