Calculates the Annual Percentage Rate (APR) for a loan, considering the interest rate, fees, and loan term.
Start with your values, or try a preset.
Enter Loan Amount, Interest Rate (Annual), Loan Term (Years), Origination Fees, and Other Fees in the units shown.
Read Total Interest Paid, Total Fees, Annual Percentage Rate (APR), and Total Cost of Loan in the results panel. Results update as you change the inputs.
Choose a preset to load an example, then adjust the values for your situation.
See the inputs and their calculated results.
Loan Amount: 200,000 USD; Interest Rate (Annual): 4.5 %; Loan Term (Years): 30 years; Origination Fees: 1,000 USD; Other Fees: 200 USD
Total Interest Paid: 270,000 USD; Total Fees: 1,200 USD; Annual Percentage Rate (APR): 4.52 %; Total Cost of Loan: 471,200 USD
Loan Amount: 25,000 USD; Interest Rate (Annual): 6 %; Loan Term (Years): 5 years; Origination Fees: 500 USD; Other Fees: 100 USD
Total Interest Paid: 7,500 USD; Total Fees: 600 USD; Annual Percentage Rate (APR): 6.48 %; Total Cost of Loan: 33,100 USD
Loan Amount: 10,000 USD; Interest Rate (Annual): 10 %; Loan Term (Years): 3 years; Origination Fees: 200 USD; Other Fees: 0 USD
Total Interest Paid: 3,000 USD; Total Fees: 200 USD; Annual Percentage Rate (APR): 10.67 %; Total Cost of Loan: 13,200 USD
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