APR Calculator
Estimate an approximate annualized borrowing cost by comparing scheduled payments with the net amount received after upfront finance charges.
Borrowing Cost Estimate
Monthly Payment—
Net Amount Received—
Approximate Effective Annual Cost—
APR and Interest Rate
This is an educational approximation based on the cash flows entered. Official APR calculations can be governed by jurisdiction-specific disclosure rules and treatment of particular fees, and may use a different annualization convention. Read APR vs Interest Rate.