US Stock Margin Calculator

Calculate Reg T buying power, margin requirements, and margin call trigger price. Figures are illustrative only.

Stock Price

1.005000.00

110,000

Initial Margin (Reg T)

25100

Maintenance Margin

2550

Buying Power$15,000

Loan Amount$7,500

Margin Call Trigger Price$100.00

Margin Breakdown

Your Equity

$7,500

Broker Loan

$7,500

Total Position Value$15,000

Disclaimer

This calculator is for educational and illustrative purposes only. It does not constitute financial, investment, or tax advice. Results are estimates based on the inputs you provide and may not reflect actual returns. Consult a qualified financial advisor before making any investment decisions.

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Margin Call Price Formula

Trigger Price = Loan ÷ [Shares × (1 − Maintenance%)]

Where:

LoanAmount borrowed from broker

SharesNumber of shares held

Maintenance%Maintenance margin requirement (e.g. 25%)

Frequently Asked Questions

Regulation T (Reg T) is a Federal Reserve Board regulation that governs the extension of credit by brokers. For stock purchases, it requires investors to deposit at least 50% of the purchase price as initial margin. The remaining 50% can be borrowed from the broker.

With a 50% Reg T margin requirement, your buying power is effectively 2x your equity. For example, with $50,000 in equity, you can control up to $100,000 in stock positions. Some brokers may offer higher leverage for intraday trading.

A margin call occurs when your account equity falls below the maintenance margin requirement (minimum 25% under FINRA rules, but many brokers require 30-40%). You must deposit additional funds or liquidate positions to meet the call.

FINRA requires that accounts making 4 or more day trades within 5 business days (if day trades exceed 6% of total trades) maintain a minimum equity of $25,000. Accounts below this threshold are restricted from day trading.

Yes. If the value of your margined position declines significantly, you could lose more than your initial deposit. In extreme cases, you may owe money to the broker beyond your original investment. Margin trading magnifies both gains and losses.