Free · Browser-Based · Loan Cost Insight

APR Calculator

Estimate a simplified annual percentage rate using principal, finance charges, fees, and loan term to compare borrowing offers more fairly.

Loan amount

Total interest cost

Upfront fees

Loan term (years)

APR summary

🎯 Common Use Cases

Compare loan offers with fees included

Estimate borrowing cost more fairly

Review finance-charge impact

Check simplified APR math fast

Is this a lender-accurate APR?

No. It is a simplified estimate for comparison, not a regulatory disclosure calculation.

Are fees included?

Yes. Upfront fees are added to finance charges in this estimate.

Does it run locally?

Yes. All loan calculations stay in the browser.