APR Calculator

Approximate APR including upfront fees on a loan.

APR Calculator helps you approximate APR including upfront fees on a loan. Enter loan amount, upfront fees, interest rate, and loan term, review the breakdown, and use the guidance below to understand what the number means — and what it does not. What the APR calculator does APR Calculator is built for money decisions — loans, savings, payments, and taxes. Approximate APR including upfront fees on a loan. You enter loan amount, upfront fees, interest rate, and loan term, then Simple Calculators computes the result instantly. Rates, fees, and tax rules vary by lender and country, so treat results as planning numbers, not a contract. How the math works Enter the Loan amount, the Upfront fees, the Interest rate and the Loan term in years. The calculator first works out the normal monthly payment on the full loan. It then finds the monthly rate at which that same payment would repay only the cash you actually receive (loan − fees), and multiplies it by 12 to get the APR (annual percentage rate). Fees are assumed to be paid at the start; official APR rules in your country may count fees slightly differently. The formula: Find the monthly rate r where payment = (loan − fees) × r × (1 + r…