APR Calculator

Solve Annual Percentage Rate from loan amount, fees, payment, and term using Newton iteration.

Calculator Finance Updated Apr 20, 2026
X Facebook LinkedIn Reddit Email
How to Use
  1. Enter loan amount, fees, monthly payment, and term in months.
  2. Newton method converges on the APR.
Input
APR

Notes

APR vs rate
APR includes fees — always higher than the nominal rate
Effective rate
APY = (1 + APR/12)^12 − 1 accounts for compounding

Last updated: