Free APR Calculator
Find the true APR of a loan once upfront fees are included.
What is the APR Calculator?
Find the true APR of a loan once upfront fees are included.
The monthly payment is based on the stated rate and the full loan amount, but you receive the amount minus fees. The calculator finds the rate that makes the payment on the net amount received match, which is the APR, and also shows the compounded effective annual rate.
Borrowing is easier to judge once you can see the real cost: the monthly payment, the total interest and how long it takes to be free of the debt.
How to use the APR Calculator
Using the apr calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.
Step 1
Enter the amount, interest rate and term. Pick your country at the top so the currency matches.
Step 2
Compare the monthly payment, total interest and payoff date in the result.
Step 3
Change one number at a time, such as a higher payment, to see what it saves.
Tips for better results
Use APR rather than the stated rate to compare offers with different fees. Short loans with fixed fees show a bigger gap between rate and APR than long ones.
Compare offers using the total cost, not just the monthly payment.
Even a small extra payment each month can shorten the term noticeably.
Privacy and where your data goes
Everything you type into the apr calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.
Frequently asked questions
Why is APR higher than the interest rate?
Fees are deducted from what you receive but you repay the full amount, so you pay interest on money you never got. APR spreads that cost into a single rate.
Is this the same as the APR a lender quotes?
Lender APR rules vary by country and fee type, so your quoted figure may differ. Use this as a close comparison, not a legal disclosure.
Is the apr calculator free?
Yes. It is free to use with no signup, no watermark and no usage limits.
Is my data private?
Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.
Does it work on mobile?
Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.
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