APR Calculator

Determine the annual percentage rate (APR) on loans with our online tool.

APR Calculator

Loan Amount

, ,

Interest Rate

, ,

Loan Term

years

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months

, , ,

Compound

Pay Back

Loaned Fees

Upfront Fees

House Value

, ,

Down Payment

, ,

Interest Rate

, ,

Loan Term

years

, ,

Loan Fees

Points

PMI

$ per year

There was an error with your calculation.

Result

Real APR	5.219%
Amount Financed	$100,000.00
Upfront Out-of-Pocket Fees	$1,000.00
Payment Every Month	$1,060.66
Total of 120 Payments	$127,278.62
Total Interest	$27,278.62
All Payments and Fees	$128,278.62

Real APR	5.848%
Loan Amount	$280,000.00
Down Payment	$70,000.00
Monthly Pay	$3,038.74
Total of 120 Payments	$364,648.80
Total Interest	$84,648.13
PMI (0 months)	$0.00/month
Total PMI Payments	$0.00
All Payments and Fees	$367,648.80

Interest

Principal

Fees

№	BEGINNING BALANCE	INTEREST	PRINCIPAL	ENDING BALANCE
1	$100,000.00	$416.67	$643.99	$99,356.01
2	$99,356.01	$413.98	$646.67	$98,709.34
3	$98,709.34	$411.29	$649.37	$98,059.97
4	$98,059.97	$408.58	$652.07	$97,407.90
5	$97,407.90	$405.87	$654.79	$96,753.11
6	$96,753.11	$403.14	$657.52	$96,095.60
7	$96,095.60	$400.40	$660.26	$95,435.34
8	$95,435.34	$397.65	$663.01	$94,772.33
9	$94,772.33	$394.88	$665.77	$94,106.56
10	$94,106.56	$392.11	$668.54	$93,438.02
11	$93,438.02	$389.33	$671.33	$92,766.69
12	$92,766.69	$386.53	$674.13	$92,092.56
13	$92,092.56	$383.72	$676.94	$91,415.62
14	$91,415.62	$380.90	$679.76	$90,735.87
15	$90,735.87	$378.07	$682.59	$90,053.28
16	$90,053.28	$375.22	$685.43	$89,367.84
17	$89,367.84	$372.37	$688.29	$88,679.55
18	$88,679.55	$369.50	$691.16	$87,988.40
19	$87,988.40	$366.62	$694.04	$87,294.36
20	$87,294.36	$363.73	$696.93	$86,597.43
21	$86,597.43	$360.82	$699.83	$85,897.60
22	$85,897.60	$357.91	$702.75	$85,194.85
23	$85,194.85	$354.98	$705.68	$84,489.17
24	$84,489.17	$352.04	$708.62	$83,780.56
25	$83,780.56	$349.09	$711.57	$83,068.99
26	$83,068.99	$346.12	$714.53	$82,354.45
27	$82,354.45	$343.14	$717.51	$81,636.94
28	$81,636.94	$340.15	$720.50	$80,916.44
29	$80,916.44	$337.15	$723.50	$80,192.94
30	$80,192.94	$334.14	$726.52	$79,466.42
31	$79,466.42	$331.11	$729.55	$78,736.87
32	$78,736.87	$328.07	$732.58	$78,004.29
33	$78,004.29	$325.02	$735.64	$77,268.65
34	$77,268.65	$321.95	$738.70	$76,529.95
35	$76,529.95	$318.87	$741.78	$75,788.17
36	$75,788.17	$315.78	$744.87	$75,043.30
37	$75,043.30	$312.68	$747.97	$74,295.32
38	$74,295.32	$309.56	$751.09	$73,544.23
39	$73,544.23	$306.43	$754.22	$72,790.01
40	$72,790.01	$303.29	$757.36	$72,032.65
41	$72,032.65	$300.14	$760.52	$71,272.13
42	$71,272.13	$296.97	$763.69	$70,508.44
43	$70,508.44	$293.79	$766.87	$69,741.57
44	$69,741.57	$290.59	$770.07	$68,971.51
45	$68,971.51	$287.38	$773.27	$68,198.23
46	$68,198.23	$284.16	$776.50	$67,421.74
47	$67,421.74	$280.92	$779.73	$66,642.00
48	$66,642.00	$277.68	$782.98	$65,859.02
49	$65,859.02	$274.41	$786.24	$65,072.78
50	$65,072.78	$271.14	$789.52	$64,283.26
51	$64,283.26	$267.85	$792.81	$63,490.46
52	$63,490.46	$264.54	$796.11	$62,694.34
53	$62,694.34	$261.23	$799.43	$61,894.91
54	$61,894.91	$257.90	$802.76	$61,092.16
55	$61,092.16	$254.55	$806.10	$60,286.05
56	$60,286.05	$251.19	$809.46	$59,476.59
57	$59,476.59	$247.82	$812.84	$58,663.75
58	$58,663.75	$244.43	$816.22	$57,847.53
59	$57,847.53	$241.03	$819.62	$57,027.90
60	$57,027.90	$237.62	$823.04	$56,204.87
61	$56,204.87	$234.19	$826.47	$55,378.40
62	$55,378.40	$230.74	$829.91	$54,548.49
63	$54,548.49	$227.29	$833.37	$53,715.12
64	$53,715.12	$223.81	$836.84	$52,878.27
65	$52,878.27	$220.33	$840.33	$52,037.94
66	$52,037.94	$216.82	$843.83	$51,194.11
67	$51,194.11	$213.31	$847.35	$50,346.77
68	$50,346.77	$209.78	$850.88	$49,495.89
69	$49,495.89	$206.23	$854.42	$48,641.47
70	$48,641.47	$202.67	$857.98	$47,783.49
71	$47,783.49	$199.10	$861.56	$46,921.93
72	$46,921.93	$195.51	$865.15	$46,056.78
73	$46,056.78	$191.90	$868.75	$45,188.03
74	$45,188.03	$188.28	$872.37	$44,315.66
75	$44,315.66	$184.65	$876.01	$43,439.65
76	$43,439.65	$181.00	$879.66	$42,560.00
77	$42,560.00	$177.33	$883.32	$41,676.67
78	$41,676.67	$173.65	$887.00	$40,789.67
79	$40,789.67	$169.96	$890.70	$39,898.97
80	$39,898.97	$166.25	$894.41	$39,004.56
81	$39,004.56	$162.52	$898.14	$38,106.43
82	$38,106.43	$158.78	$901.88	$37,204.55
83	$37,204.55	$155.02	$905.64	$36,298.91
84	$36,298.91	$151.25	$909.41	$35,389.50
85	$35,389.50	$147.46	$913.20	$34,476.30
86	$34,476.30	$143.65	$917.00	$33,559.30
87	$33,559.30	$139.83	$920.82	$32,638.48
88	$32,638.48	$135.99	$924.66	$31,713.81
89	$31,713.81	$132.14	$928.51	$30,785.30
90	$30,785.30	$128.27	$932.38	$29,852.92
91	$29,852.92	$124.39	$936.27	$28,916.65
92	$28,916.65	$120.49	$940.17	$27,976.48
93	$27,976.48	$116.57	$944.09	$27,032.39
94	$27,032.39	$112.63	$948.02	$26,084.37
95	$26,084.37	$108.68	$951.97	$25,132.40
96	$25,132.40	$104.72	$955.94	$24,176.47
97	$24,176.47	$100.74	$959.92	$23,216.55
98	$23,216.55	$96.74	$963.92	$22,252.63
99	$22,252.63	$92.72	$967.94	$21,284.69
100	$21,284.69	$88.69	$971.97	$20,312.72
101	$20,312.72	$84.64	$976.02	$19,336.70
102	$19,336.70	$80.57	$980.09	$18,356.62
103	$18,356.62	$76.49	$984.17	$17,372.45
104	$17,372.45	$72.39	$988.27	$16,384.18
105	$16,384.18	$68.27	$992.39	$15,391.79
106	$15,391.79	$64.13	$996.52	$14,395.27
107	$14,395.27	$59.98	$1,000.67	$13,394.59
108	$13,394.59	$55.81	$1,004.84	$12,389.75
109	$12,389.75	$51.62	$1,009.03	$11,380.72
110	$11,380.72	$47.42	$1,013.24	$10,367.48
111	$10,367.48	$43.20	$1,017.46	$9,350.02
112	$9,350.02	$38.96	$1,021.70	$8,328.33
113	$8,328.33	$34.70	$1,025.95	$7,302.37
114	$7,302.37	$30.43	$1,030.23	$6,272.15
115	$6,272.15	$26.13	$1,034.52	$5,237.62
116	$5,237.62	$21.82	$1,038.83	$4,198.79
117	$4,198.79	$17.49	$1,043.16	$3,155.63
118	$3,155.63	$13.15	$1,047.51	$2,108.13
119	$2,108.13	$8.78	$1,051.87	$1,056.25
120	$1,056.25	$4.40	$1,056.25	$0.00

What is an Online APR Calculator?

An Online APR Calculator is a tool that helps you determine the Annual Percentage Rate (APR) for a loan or credit. The APR reflects the yearly cost of borrowing, including the interest rate and any additional fees associated with the loan. It's a useful metric for comparing different loan offers or credit options, as it provides a standardized view of the overall cost of borrowing.

How to Use an Online APR Calculator?

Enter the Loan Amount:
- Input the total amount you are borrowing.
Provide the Interest Rate:
- Specify the nominal interest rate (stated rate) for the loan.
Add Fees or Other Charges:
- Input any additional costs such as origination fees, closing costs, or service charges that are part of the loan.
Specify the Loan Term:
- Enter the length of time over which you’ll repay the loan (e.g., 1 year, 5 years).
Select the Payment Frequency:
- Indicate how often payments will be made (e.g., monthly, quarterly).
View the Results:
- The calculator will display the APR, which incorporates the total cost of borrowing, including fees, expressed as an annual percentage.

Frequently Asked Questions

What is the difference between APR and interest rate?
- The interest rate is the cost of borrowing expressed as a percentage of the loan amount. The APR includes the interest rate and additional fees, giving a more comprehensive view of the total borrowing cost.
Why is APR important when comparing loans?
- The APR provides a standardized way to compare the true cost of different loans or credit offers, as it accounts for both the interest rate and additional fees.
Can an APR Calculator help with credit card comparisons?
- Yes, an APR Calculator can be used to compare credit card offers by inputting the stated interest rate and any fees (such as annual fees or transaction fees) to find the total cost.
Does the APR change during the loan term?
- For fixed-rate loans, the APR remains constant. For adjustable-rate loans, the APR can change over time based on the loan terms and market interest rates.
What fees should I include in the APR calculation?
- Include any upfront fees, origination fees, closing costs, or other charges that are part of the loan agreement. Exclude fees like late payment penalties, as they are not part of the standard borrowing cost.