APR Calculator
True annual percentage rate including fees.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
Founders, analysts and investors rely on the free APR Calculator to nail APR in seconds — no spreadsheets, no sign-up. Enter your numbers, get an accurate result instantly, and compare scenarios to make smarter pricing, budgeting and growth calls.
About APR Calculator
APR (annual percentage rate) expresses the true yearly cost of a loan, including fees, as a single percentage. The formula is simple: APR folds the interest rate and fees into one annualised rate across the loan term. For example, a $10,000 loan with fees can carry an APR well above its stated interest rate. The free APR Calculator does the math for you — just enter the loan amount, interest rate, fees and term and read the result instantly. It runs entirely in your browser with no sign-up, no limits and nothing to install.
How to use APR Calculator
- 1Enter the loan amount, interest rate, fees and term into the calculator.
- 2The APR is computed automatically using the formula APR folds the interest rate and fees into one annualised rate across the loan term — there's no button to press.
- 3Change any input to model a different scenario, then note or copy the result.
Why use APR Calculator?
- ✓Calculates APR instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the numbers you enter stay private
- ✓Updates live as you type — perfect for comparing scenarios
Frequently asked questions
How do you calculate APR?+
APR (annual percentage rate) expresses the true yearly cost of a loan, including fees, as a single percentage. The formula is: APR folds the interest rate and fees into one annualised rate across the loan term. For example, a $10,000 loan with fees can carry an APR well above its stated interest rate.
APR vs interest rate?+
The interest rate is the cost of borrowing the principal; APR also includes fees and charges, giving a more complete picture of the real cost.
Is the APR Calculator free to use?+
Yes — it's completely free, with no sign-up, no login and no usage limits. You can run it as many times as you like.
Is my data private?+
Yes. The APR Calculator runs entirely in your browser, so the figures you enter are never uploaded or stored on any server.
Embed APR Calculator on your website
Want APR Calculatoron your own site? Paste this snippet into any HTML page — it's free, with no API key or sign-up. The tool loads in an iframe and keeps working exactly as it does here.
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