APR Calculator

The interest rate is the cost of borrowing the principal. APR includes the interest rate plus all fees and costs, giving you the true annual cost of the loan.

APR includes origination fees, closing costs, discount points, and other charges spread over the loan term. This makes APR a more accurate measure of the total borrowing cost.

Generally yes, but consider your plans. If you may refinance or sell soon, a lower rate with higher fees might cost more than a higher rate with lower fees.

Using the APR Calculator is simple: visit the tool page, enter your data or input into the provided fields, and get instant results. Follow the controls on the page. Some functions require sign-in or a paid plan; see Pricing for limits.

The Free plan includes 10 tool uses per day. Some features require an account or a paid plan. Check the controls on the tool page and Pricing for the applicable limits.

The APR Calculator returns results based on the inputs and the tool methodology. Check assumptions, units and source dates. Treat projections as estimates. For critical decisions, always consult a qualified professional.

Local calculations run in your browser. AI features, accounts, saved reports and external data requests use server services. Check the tool description and privacy policy for the relevant processing and storage.