Method
Finds a monthly rate whose payment present value matches loan less fees.
Finance / browser tool
APR Calculator
Estimate annual percentage rate from a loan, fees, payment, and term.
See how upfront fees affect an approximate annual borrowing cost.
Your inputs stay on your device
Estimate APR
live resultmonths
Estimated APR
Total paid
Finance charge
Currency selection changes labels only; no live rates, taxes, fees, or financial advice are included.
Context & Reference
How it works
For borrowers assessing loan fees with fixed payments.
calculator guideHow to use it
Use this calculator with your own values, then review the clearly labelled result and copy it when you need it elsewhere.
Understand the result
APR annualizes that estimated monthly rate; finance charge uses total payments less loan.
Example
Test a $10,000 loan, $300 fees, and 36 payments.
Practical tip
It requires total payments to exceed the loan amount.
Notes
This calculator runs locally in this browser. It requires total payments to exceed the loan amount.
Useful next steps
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