APR Loan Calculator

True annual percentage rate of a loan including origination fees and points.

Loan amount ($):

Upfront fees / points ($):

Stated interest rate (%):

Term (years):

How to use

Enter loan amount, fees, stated rate, and term, then click Calculate.

APR vs interest rate — what is the difference?

The interest rate is the cost of borrowing; APR adds fees and points, so it is the true yearly cost.

Why does APR matter?

Two loans with the same rate can have very different APRs once fees are included — APR lets you compare fairly.

☕

Every tool runs 100% in your browser — no uploads, no signups. If a tool saved you time, consider supporting us with a small donation.