APR Calculator

APR Calculator

Estimate annual percentage rate from monthly loan cash flows and upfront or financed fees.

MAHINO KI HE TALI

ʻOku fikaʻi fēfē ʻeni?

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

Ko ha sīpinga ʻaonga

A 25,000 loan at 7.5% for 60 months has an APR above 7.5% when 500 in upfront fees are included.

Ola kuo fikaʻi

Loan proceeds before feesScenarioOla kuo fikaʻi
20,00018.573%
25,00028.3554%
30,00038.2111%

Ngaahi fakafuofua, fakaʻuhinga mo e ngaahi fehālaaki angamaheni

Ngaahi fakafuofua ʻo e fika

  • 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.

Founga ke fakaʻuhingaʻi e ola

  • 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.

Ngaahi fehālaaki angamaheni ke fakaʻehiʻehi mei 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.