AMB, AQB & ABB Calculator
Work out your average monthly, quarterly or daily bank balance. Paste the rows straight from your bank statement.
Upload the Excel or CSV statement downloaded from your bank. The date and closing balance columns are picked up automatically. The file is read in your browser and never uploaded.
How to use this calculator?
Select whether you want to calculate the Average Monthly Balance (AMB) or the Average Quarterly Balance (AQB), then choose the month or quarter you want to check.
Optionally, enter the minimum balance your bank requires you to maintain. The calculator will then tell you whether you are short and by how much.
From your bank statement, enter the date and the closing balance of every transaction in the selected period. You do not need a row for every day — the calculator automatically carries the last closing balance forward to each day on which there was no transaction.
Click Calculate to see your average balance for the period, along with a day-by-day breakdown. Click Reset to start again with fresh data.
What is AMB and AQB?
AMB (Average Monthly Balance) is the average of the closing balances in your bank account across every day of a calendar month. Most savings and current accounts in India ask you to maintain a minimum AMB.
AQB (Average Quarterly Balance) is the same idea measured over a full quarter (three months) instead of a single month. Many banks use AQB for savings accounts and AMB for current accounts, but the requirement varies by bank and account type.
Banks track these averages — rather than the balance on any one day — so that customers cannot keep the account empty all month and top it up only on the last day. The average makes sure a working balance is maintained throughout the period.
How is average balance calculated?
The average balance is the sum of the end-of-day closing balances for every day in the period, divided by the number of days in that period.
Average Balance = Sum of daily closing balances / Number of days in the period
For example, if you held ₹10,000 for the first 20 days of a 30-day month and ₹40,000 for the remaining 10 days:
Average Balance = ((10,000 × 20) + (40,000 × 10)) / 30 = 6,00,000 / 30 = ₹20,000
Note that the closing balance of every day counts, including Sundays and bank holidays. That is why a high balance held for only a few days has a smaller effect on the average than a moderate balance held for the full month.
What happens if you don't maintain the minimum balance?
If your average balance for the period falls below the minimum your bank requires, the bank levies a non-maintenance charge (also called a penalty or shortfall charge). The amount usually depends on how far short you are and on your account variant, and GST is added on top of the charge.
Checking your average balance before the period ends lets you top up your balance in time and avoid the penalty. The minimum-balance field in this calculator shows how far your average is short of the requirement.
AMB, AQB, ABB, ADB, MAB — what the acronyms mean
Different banks label the same requirement differently, which is why one statement says AMB and another says MAB or ABB. They all measure the same thing: the average of your end-of-day closing balances over a period.
| Acronym | Full form | Period averaged |
|---|---|---|
| AMB | Average Monthly Balance | One calendar month |
| MAB | Monthly Average Balance | Same as AMB, words reversed |
| AQB | Average Quarterly Balance | Three months |
| QAB | Quarterly Average Balance | Same as AQB, words reversed |
| ABB | Average Bank Balance (also average book balance) | Whatever period the bank states |
| ADB | Average Daily Balance | The daily basis all of the above are built on |
The arithmetic never changes with the label. Add the closing balance of every day in the period — weekends and bank holidays included — and divide by the number of days. Only the length of the period differs.
How to calculate a 6-month average balance
Lenders commonly ask for a six-month average balance when assessing a loan or credit card application, because it shows the balance you actually hold rather than the balance on the day you applied.
Add the end-of-day closing balance for every day across the six months and divide by the total number of days in that span — roughly 181 to 184 depending on which months are involved.
6-month average = Sum of daily closing balances over 6 months / Total days in those 6 months
A common mistake is averaging the six monthly averages. That is only correct when every month has the same number of days, which never happens across a six-month span — February alone breaks it. Weight each month by its own day count instead.
This calculator works one month or one quarter at a time. For a six-month figure, run the two consecutive quarters, then combine the results in proportion to the number of days in each.
Frequently asked questions
What is the difference between AMB and AQB?
AMB is averaged over one calendar month, while AQB is averaged over a quarter of three months. The calculation method — sum of daily closing balances divided by the number of days — is identical; only the length of the period differs.
Does the balance on weekends and holidays count?
Yes. Banks consider the closing balance of every calendar day in the period, including Sundays and public holidays, when computing the average.
Do I need to enter a row for every single day?
No. Enter only the dates on which a transaction changed your balance. The calculator carries the most recent closing balance forward to every day until the next transaction.
Is this calculator free to use?
Yes, it is completely free and works in your browser with no login required. None of the figures you enter leave your device.
How does a bank calculate the average monthly balance?
The bank adds up the closing balance of your account for every calendar day in the month and divides that total by the number of days in the month. The result is your average monthly balance, not the balance on any single day.
What happens if I do not maintain the minimum average balance?
Most banks levy a non-maintenance penalty for the shortfall, typically charged each month or quarter. The exact amount depends on your account type and how far your average fell below the required minimum.
What is the full form of AMB, AQB, ABB and ADB?
AMB is Average Monthly Balance, AQB is Average Quarterly Balance, ABB is Average Bank Balance (banks also write it as average book balance) and ADB is Average Daily Balance. MAB and QAB are the same measures with the words reversed. All of them are calculated the same way: add up the end-of-day closing balance for every day in the period and divide by the number of days.
How do I calculate the average monthly balance?
Add the closing balance of every single day in the calendar month, including Sundays and bank holidays, then divide by the number of days in that month. A day with no transaction still counts — it carries forward the previous day’s closing balance. Paste your bank statement rows above and the calculator does the day-by-day fill and the division for you.
How do I check ABB in my bank statement?
A bank statement shows a balance only on days that had a transaction, so the average cannot be read off it directly. Each closing balance has to be carried forward to the following days until the next transaction, and then averaged across every day of the period. Paste the date and balance columns from your statement above and the calculator fills the gap days and returns the ABB.
How is a 6-month average balance calculated?
Add the end-of-day closing balance for every day across the six months and divide by the total number of days in that span, roughly 181 to 184. It is not the average of the six monthly averages unless every month has the same number of days. Lenders often ask for this figure when assessing loan eligibility. This calculator works a month or a quarter at a time, so run two consecutive quarters and weight each result by its number of days.
Why is my average balance lower than my month-end balance?
The average reflects how much money sat in the account across the whole period, day by day. If a large deposit arrives only near the end of the month, the closing balance can look healthy even though the daily average for the period stays low.