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Income Tax Calculator
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APR Calculator
Find a loan’s true APR including upfront fees, compared with its stated interest rate.
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How to use this calculator
Enter your values. The result updates as you type; press Calculate to confirm and jump to the result on mobile. Use Share to send the calculator with your result.
APR vs interest rate
The interest rate sets your payment. The APR also counts upfront finance charges: it’s the rate at which the payments you make equal the money you actually receive (loan amount minus fees). Use APR to compare offers; a lower rate with high fees can cost more than a slightly higher rate with none.
Frequently asked questions
Why is APR higher than the interest rate?
Because fees are added to the cost of borrowing.
About this tool
- Written by
- [Author: to be assigned]
- Reviewed by
- Expert review pending
- Last updated
- 31 Oct 2026
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