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APR Calculator
Free Online APR Calculator
Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.
APR Calculator
Loan APR · Credit Card APR · Lender Comparison
Loan Details
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%
Fees & Points
Compounding
days
Annual Percentage Rate (APR)
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Nominal Interest Rate
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APR is — higher
Assessment
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Monthly Payment
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Total Fees
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Total Interest
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Total Cost of Loan
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EAR (Effective Annual Rate)
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APR vs Rate Gap
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Prepaid Interest
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Loan-to-Value Indicator
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📋 Fee Breakdown & APR Impact
🔮 What-If Scenarios
If fees are negotiated down 50%:
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If fees are eliminated entirely:
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If you pay off in half the term:
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Extra cost over 5 years vs no-fee loan:
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Key Insights
Credit card APR is the annual interest rate charged on outstanding balances. Unlike loans, credit cards compound daily. This calculator shows your true cost of carrying a balance.
Card Details
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%
%
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$
$
Daily Periodic Rate
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APR ÷ 365 — charged every day on balance
Monthly Interest Charge
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Effective Annual Rate
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Min. Payment (mo.)
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Payoff Time (min. pmt)
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Total Interest (min. pmt)
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Payoff Time (fixed pmt)
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Total Interest (fixed pmt)
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Interest Saved (fixed vs min)
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Annual Fee Impact on APR
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💡 Payoff Targets
To pay off in 12 months:
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To pay off in 24 months:
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To pay off in 36 months:
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If APR dropped to 15%:
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If APR dropped to 0% (balance transfer):
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Loan Parameters (same for all lenders)
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Lender Offers
📊 Lender Comparison Results
| Lender | Rate | Fees | APR | Monthly Pmt | Total Cost (5yr) | Rank |
|---|
Best Offer
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