💰 Finance
APR Calculator
The APR is higher than the nominal interest rate whenever a loan carries upfront fees, because you receive less money than the amount you repay. This calculator solves for the rate that makes the payment stream equal the net amount you actually receive.
How it works
Loan amount
Nominal interest rate
Loan term
Upfront fees
APR
Monthly payment
Total interest
Frequently asked questions
How do I use the APR Calculator?
Fill in the fields above — the result recalculates instantly as you type. Everything runs in your browser, so the values you enter are never collected or stored.
Is this calculator free?
Yes. It is completely free, requires no account, and works on phones, tablets and desktops.