APR Calculator

True loan rate from the monthly payment.

Input Parameters

Loan amount

Monthly payment

Payments count

Calculation Summary

True APR7.420095794%

Total Repayment Cost$24000

Total Interest Paid$4000

175 available

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About this calculator

True annual rate solved from loan amount, monthly payment and count via bisection.

APR vs nominal?

APR reflects the payment math exactly; nominal quotes can hide fees.

Payment too small?

If payments never cover principal, no rate exists — shown as invalid.

Method?

Bisection on the amortization equation, 200 iterations.