Financial Calculators
APR Calculator
Find the true APR including fees.
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Result
APR (with fees)
6.75%
True cost including fees
Monthly payment
$1,264.14
Nominal rate
6.5%
About the APR Calculator
The advertised interest rate ignores fees; the APR includes them, so it's the number to compare loans by. Enter the loan amount, nominal rate, term, and total fees and points, and the calculator returns the true APR alongside your monthly payment. It's the honest way to compare mortgage and loan offers.
How to use the APR Calculator
- 1Enter your loan amount, nominal rate, term, and fees.
- 2Read the result instantly — it recalculates as you type.
- 3Adjust the numbers to model different scenarios.
Frequently asked questions
What is APR?
The annual percentage rate — the yearly cost of a loan including interest and fees, expressed as a rate. It's always at or above the nominal rate.
APR vs interest rate?
The interest rate is the cost of borrowing the principal; APR adds fees and points, so it reflects the loan's true annual cost.