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APR Calculator

Calculate the true Annual Percentage Rate of a loan including origination fees and closing costs.

Loan Amount ($)

Nominal Interest Rate (%)

Loan Term (months)

Origination Fee ($)

Points ($)

Other Closing Costs ($)

Annual Percentage Rate (APR)

Monthly Payment

Total Fees

Effective Interest Cost

Total Cost (no fees)

Total Cost (with fees)

Cost Comparison:

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About APR Calculator

Our free APR Calculator helps you run quick, accurate calculations for everyday financial and mathematical needs with just a few inputs. Calculate the true Annual Percentage Rate of a loan including origination fees and closing costs. Enter your values, and the calculator instantly shows detailed results with breakdowns you can understand. No signup, no ads interrupting your workflow — just accurate, reliable calculations you can trust. Works on any device, saves nothing to our servers.

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