APR Calculator
Estimate annual percentage rate including fees and points.
APR estimate uses the standard approach: keep the monthly payment computed at the nominal rate on the full loan, then back-solve for the rate that produces that same payment on the cash actually received. Lender-specific fee disclosures may differ.
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Frequently asked questions
The nominal rate is the headline interest rate on a loan. The APR also reflects up-front fees and points by treating them as reducing the cash you actually received, which makes the effective rate higher.
The calculator first computes the monthly payment as if you got the full loan amount at the nominal rate. It then uses bisection to find the rate that produces that same payment on the loan amount minus fees.
Not necessarily. Lender APR disclosures follow specific regulatory rules about which fees are included and how they are amortized. This is a useful estimate, not a substitute for the lender's official figure.
Last updated 2026-06-03.