APR Calculator

Compare the stated rate with a simplified fee-adjusted APR estimate and see payment and total financing cost.

Loan amount

Stated annual rate (%)

Term (months)

Upfront finance fees

—Monthly payment

—Estimated APR

—Effective annual rate

—Interest + fees

Simplified planning estimate: fees are treated as reducing the amount received while payments are based on the stated rate. Real lender APR disclosures can use additional fee classifications, payment timing, and regulatory rules.

How to use this APR Calculator

Estimate a loan APR from amount borrowed, nominal interest rate, term, and upfront finance fees. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.