Interest Rate Calculator

Interest Rate Calculator

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

MALAMALAMA KI TE TALI

E fuafua pefea te mea tenei?

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

He fakaaogāga moni

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

Tali ne fuafua

Loan proceeds before feesScenarioTali ne fuafua
20,000117.3617%
25,00027.5001%
30,00030.0747%

Nā manatu, fakamatala ma nā hē mahani

Nā manatu o te fuafuaga

  • 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.

Auala ke fakamatala te tali

  • 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.

Nā hē mahani ke kalo kehe mai ai

  • 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.