APR Calculator

Compute the payment from the note rate, then solve for the rate that fits the amount you actually received after fees.

APR Calculator

Compute the payment from the note rate, then solve for the rate that fits the amount you actually received after fees.

Method and assumptions

Figur applies standard payment, interest, or projection formulas to the values you enter. The calculation runs entirely in your browser.

Rates and contributions stay constant for the period unless the calculator says otherwise.
Taxes, insurance, fees, penalties, and lender-specific terms are excluded unless a field explicitly includes them.
Results are rounded estimates; a financial institution may use different rounding rules or payment dates.

This tool is for general information, not financial, tax, legal, or investment advice. Confirm important figures with the relevant institution or a qualified professional.

Sources and references

CFPB consumer tools

Frequently asked questions

Why is APR higher than the rate?

APR folds in upfront fees, so it reflects the real borrowing cost.

Is APR the same as APY?

No. APY includes compounding on savings; APR describes loan cost.