APR Calculator
Last updated: October 15, 2026
Estimate annual percentage rate from a loan amount, finance charge, term, and monthly payment.
Estimated APR
0.00%
- Total of payments: $0.00
- Total borrowing cost: $0.00
On this page
Quick summary: Estimate annual percentage rate from a loan amount, finance charge, term, and monthly payment.
Read the method, example and limitations
Updated reference sections in this guide are in English.
Guide language: English. Updated October 15, 2026.
What this calculator estimates
The APR Calculator estimates annual percentage rate so borrowing costs can be compared on an annualized basis. Depending on the inputs available, APR may reflect interest together with specified loan fees.
Inputs and units
Enter Loan amount ($), Monthly payment ($), Loan term (months), Upfront finance charges ($). Use the units shown. Required fields cannot be blank. Use zero only where that field and the model allow it. Select Calculate after changing the values.
Method and assumptions
For equal payments at the end of each month, solve net proceeds = payment x [1 - (1 + monthly rate)^(-number of payments)] / monthly rate. Net proceeds are loan amount minus upfront fees. APR is the solved monthly rate x 12 x 100. At zero interest, net proceeds equal the total of the payments.
Worked example
A 1,000 loan with one payment of 1,100 after one month and no fees has a 10% monthly rate, or 120% nominal annual APR. Ten payments of 100 for net proceeds of 1,000 give 0%.
Limitations
This is a regular monthly-payment model, not a compliance disclosure calculation for irregular dates, interest-only schedules or every jurisdiction. Fees must be below the loan amount. A schedule implying negative APR is outside this tool's scope.