Interest Calculators
APR Calculator
Estimate a loan’s true annual borrowing cost after upfront fees.
APR Calculator
Adjust the figures to update your estimate.
- Payment
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- Total interest
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- Total repayment
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- Additional estimate
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How this calculator works
Enter realistic numbers for your situation. The calculator updates immediately to give you an estimate you can use for planning and comparing options.
Formula explained
APR is the annualized rate that makes the net amount received equal to the present value of repayments.
Example calculation
A loan with upfront fees has a higher APR than its stated interest rate.
Factors that affect your result
- Origination and other mandatory fees
- Stated rate and payment schedule
- Whether fees are financed
Frequently asked questions
Is the APR Calculator free to use?
Yes. This calculator is free, requires no sign-up, and gives an estimate instantly.
Are the results a loan offer?
No. Results are educational estimates. A lender's rates, fees, underwriting and payment terms may differ.
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