CASA Ratio Calculator
Estimate your bank's CASA ratio (Current Account + Savings Account deposits as a share of total deposits) and approximate cost of deposits.
Note: This calculator is for educational analysis and planning. Actual bank reporting may apply different definitions, averages, and reporting periods.
What is a CASA ratio?
CASA stands for Current Account Savings Account. In banking, the CASA ratio measures what percentage of total deposits comes from current and savings accounts rather than higher-cost term deposits.
Because current and savings deposits usually cost less than fixed deposits, a stronger CASA ratio can improve a bank’s funding profile and support healthier net interest margins.
CASA formula used in this calculator
Primary ratio
CASA Ratio (%) = (Current Deposits + Savings Deposits) / Total Deposits × 100
Where total deposits = current + savings + term/fixed deposits.
Estimated cost of deposits
This page also estimates a weighted average cost of deposits:
Weighted Cost (%) = (Current×CurrentRate + Savings×SavingsRate + Term×TermRate) / Total Deposits
That gives a quick directional view of how your funding mix affects interest expense.
How to use this casa calculator
- Enter current account balances.
- Enter savings account balances.
- Enter term/fixed deposits (the non-CASA component).
- Adjust interest rates if your assumptions differ from defaults.
- Click Calculate CASA to view ratio, non-CASA share, and weighted cost.
Example interpretation
If CASA deposits are 3.7M and total deposits are 8.0M, the CASA ratio is 46.25%. That means 53.75% of the deposit book is non-CASA. If term rates are high, this non-CASA share can raise the funding cost significantly.
In practice, institutions track CASA over time—not just one snapshot—to evaluate deposit franchise quality, product performance, and customer stickiness.
Why this metric matters
For bank management
- Helps monitor cost-efficient funding.
- Supports pricing decisions on loans and deposits.
- Improves visibility into margin pressure during rate cycles.
For analysts and investors
- Signals competitive strength in low-cost deposit gathering.
- Adds context to net interest income trends.
- Can indicate resilience during volatile interest-rate environments.
Practical ways to improve CASA ratio
- Enhance salary account and transaction banking relationships.
- Improve digital onboarding and account usability.
- Deepen customer engagement with bundled services.
- Use relationship pricing rather than rate-only competition.
- Focus on retention campaigns for high-value deposit segments.
Common mistakes when calculating CASA
- Mixing period-end balances with average balances.
- Excluding certain deposit categories inconsistently.
- Comparing institutions without matching accounting definitions.
- Treating CASA ratio as the only funding-quality metric.
Final thoughts
A CASA calculator is simple, but it can reveal important funding dynamics quickly. Use it as an initial diagnostic tool, then combine it with trend analysis, deposit stability data, and margin forecasts for better strategic decisions.