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Calcimator

APR Calculator

Calculate the Annual Percentage Rate (APR) for a loan including all fees and costs. Compare the true cost of different loan offers.

Inputs

$
$
%
years

Results

APR

6.695%

Monthly Payment$1,580.17
Total Loan Cost$573,861.22
Total Interest$318,861.22
APR vs Rate Difference0.195%

APR

6.695%

How to Use This Calculator
  1. Start by filling in the input fields below. Results update instantly as you type, so you can experiment with different values to see how they affect the outcome.
  2. Loan Amount — The total amount you are borrowing. Accepts values from $1,000 to $10,000,000 (default: $250,000).
  3. Total Loan Fees — All upfront fees including origination, closing costs, points, etc. Accepts values from $0 to $100,000 (default: $5,000).
  4. Interest Rate — The stated annual interest rate on the loan. Accepts values from 0 % to 30 % (default: 6.5 %).
  5. Loan Term — The length of the loan in years. Accepts values from 1 years to 40 years (default: 30 years).
  6. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  7. APR — Annual Percentage Rate including all fees. This is the primary result of this calculator.
  8. Monthly Payment — shown as a dollar amount.
  9. Total Loan Cost — Total of all payments plus fees.
  10. Total Interest — shown as a dollar amount.
  11. APR vs Rate Difference — How much higher the APR is than the stated rate.
  12. View the Total Cost Breakdown below for a visual breakdown of how the numbers relate to each other.
  13. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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