Interest Rate Calculator

Interest Rate Calculator

Solve the nominal annual loan rate from principal, monthly payment and term.

EIKUAA ÑEMBOHOVÁI

Mba'éichapa oñekalkula kóva?

Assumes equal monthly payments starting one month after funding, a fixed rate and no balloon payment. Fees are paid at funding or added to the loan balance. This planning estimate is not a jurisdiction-specific regulatory APR disclosure.

Monthly discounted cash flowsNet proceeds = Σ payment / (1 + monthly rate)^k; annual rate = monthly rate × 12

Peteĩ techapyrã ojeporukuaáva

A 12,000 loan repaid in 12 payments of 1,000 implies a zero interest rate.

Resultado oñekalkuláva

Loan proceeds before feesScenarioResultado oñekalkuláva
20,000117.3617%
25,00027.5001%
30,00030.0747%

Jeimo'ã, ñemyesakã ha jejavy jepivegua

Cálculo jeimo'ã

  • Payments occur monthly at the end of each period with a fixed payment amount.
  • APR is the monthly cash-flow discount rate multiplied by 12; jurisdiction-specific disclosure rules may differ.
  • Upfront fees reduce net proceeds; financed fees increase the repayment balance.

Mba'éichapa oñemyesakã resultado

  • Interest rate excludes fees; APR includes the entered loan fees.
  • A payment below principal divided by term would require a negative rate and is not supported.
  • Rounded monthly payments can produce a slightly different implied rate.

Jejavy jepivegua oñemboyke va'erã

  • Entering an annual payment as a monthly payment.
  • Counting the same fee as both upfront and financed.
  • Treating this planning estimate as a legally compliant lender disclosure.