Loan APR Calculator (with Fees)
What is the true annual rate of a loan once fees and points are included?
Single calculationv1.0.0Verified 2026-11-01Runs in your browser
Spec sheet
apr_actuarial_regular_payments · v1.0.0Method
Actuarial APR for regular monthly payments (numpy-financial rate, Newton)
- 01
payment = −pmt(note rate ÷ 12, n, amount financed) - 02
APR = 12 × rate(n, −payment, amount received, 0) - 03
amount received = loan − upfront fees (or loan, when fees are financed)
Limits — read before relying on it
- Regular monthly payments only; irregular first periods and odd days are not modeled.
- Which charges count as finance charges is a legal question (Reg Z §1026.4); enter only those that apply.
- Not a Truth-in-Lending disclosure.
Sources