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APR Calculator (True Loan Cost)

Find the real annual percentage rate (APR) of a loan including upfront fees, and the effective annual rate (APY).

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What is the APR Calculator?

A loan’s interest rate hides its fees. Enter the loan amount, nominal interest rate, term and upfront fees (processing, insurance, etc.). The tool calculates your monthly payment and the true APR – the rate at which the money you actually receive equals your payments. It also shows the effective annual rate (APY).

How to use the APR Calculator

  1. Enter amount, rate, months and fees.
  2. Read the monthly payment and true APR.

APR vs APY?

APR is the yearly rate without compounding; APY (effective rate) includes monthly compounding, so it is higher.

This APR Calculator is 100% free, needs no signup and runs privately in your browser – on phone, tablet or computer.

Last updated: · By NodifyTech

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