APR Calculator
Calculate the true APR including fees and compounding.
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True APR
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APR Calculator
The Annual Percentage Rate (APR) is the true cost of borrowing, including fees. A $10,000 loan at 5% with $500 in fees has a much higher APR than the stated interest rate alone. This calculator reveals the real number.
Related: Loan Payoff, Mortgage Calculator.
FAQ
Is this calculator free to use?
Yes. The calculator is free to use in your browser and does not require an account.
Do I need to install anything?
No. The calculator runs in a normal modern browser, so you can use it on desktop or mobile without installing extra software.
Is my data uploaded to a server?
No. All calculations happen locally in your browser. Your financial data never leaves your device.
Are the calculations accurate?
The calculator uses standard financial formulas. Use the results as estimates and verify with your bank, accountant, or financial advisor for important decisions.
Can I use this for professional financial planning?
This tool is designed for estimates and comparisons. For critical financial decisions, always confirm with a qualified professional.
Why does my result differ from another calculator?
Different calculators may use different rounding, compounding frequency, or formula variations. Check the assumptions and compare with your financial institution.