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When a tendon is placed at an eccentricity e below the centroidal axis of the longitudinal axis of a rectangular beam with a sectional modulus Z and subjected to a stressed load P, the stress at the extreme top edge of the beam can be calculated using the flexure formula. The flexure formula relates the bending moment (M) to the stress (σ), moment of inertia (I), distance from the neutral axis (y), and the modulus of elasticity (E) of the material. In this case, the tendon creates a moment which induces a stress at the extreme top edge of the beam. The bending moment (M) caused by the eccentricity of the tendon can be calculated using the formula: M=Pe Then, the stress (σ) at the extreme top edge of the beam can be determined using the flexure formula: σ=ZM​ Where:

• M = Bending moment caused by the eccentricity of the tendon
• P = Stressed load in the tendon
• e = Eccentricity of the tendon below the centroidal axis of the longitudinal axis of the beam
• Z = Sectional modulus of the beam