APR Calculator

The interest rate isn't the real cost of a loan — the APR is, because it folds in the fees. Enter the loan amount, the stated rate, the term and any upfront fees. The calculator shows your monthly payment and the true annual percentage rate.

Tool Features

• Monthly payment from amount, rate and term
• True APR including upfront fees
• See how much fees raise the real rate
• Compare loan offers on equal footing
• No registration or software installation

Common Usage

• Compare two loans with different fees
• See the real cost of origination points
• Check a car dealer's quoted APR
• Weigh a low rate with high fees