justyourcalculatorAPR Calculator
The true yearly cost of a loan once fees are counted.
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APR Calculator
The real APR of a loan after fees
Or taken from the loan.
Real APR
6.563%
Stated rate 6%
- Amount financed
- $100,000.00
- Payment every month
- $1,110.21
- Total of 120 payments
- $133,224.60
- Total interest
- $33,224.60
- All fees
- $2,500.00
- Total cost of the loan
- $35,724.60
How it was calculated
- Payment on $100,000.00 = $1,110.21
- APR = the yearly rate at which 120 payments of $1,110.21 are worth $97,500.00, the money you actually get = 6.5627%
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How the apr calculator works
The APR (annual percentage rate) folds fees into the interest rate. The calculator finds the rate at which your payments exactly repay the money you actually receive: the loan amount minus fees paid upfront or taken from the loan.
Fees added to the balance raise the payment instead, which also raises the APR. For mortgages, points and lender fees count; third-party costs like appraisal and title usually don't.
Comparing APRs is the fairest way to compare loans with different rates and fees, as long as the terms are the same length.
Using and checking your result
Published by JustYourCalculator. Check the units and assumptions above, and compare a known example before relying on the output. Calculations use browser arithmetic and may round displayed values.
This is an educational estimate, not a lender quote, tax filing calculation or investment recommendation. Actual costs depend on current rules, fees and your circumstances. Verify important decisions with official sources and a qualified adviser.
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