APR: Cash-flow APR estimate for regular payments; jurisdiction-specific fee definitions, odd first periods and statutory rounding are excluded..
SET UP FOR YOUR COUNTRY Editable estimate
APR Calculator for United States
USD · 12,345.67US customary measurementsRoad distance: miles
United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
Switch countries to open a separate scenario. Your edits are kept while this calculator is open; use Save scenario to keep them on this device.
Your details
USD
Example only. Enter the amount or rate applicable to your situation in United States.
%
Example only. Enter the amount or rate applicable to your situation in United States.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
USD
Example only. Enter the amount or rate applicable to your situation in United States.
Nominal cash-flow APR
6.33%
Amounts in USD · United States · editable planning estimate
Effective annual rate6.52%
Periodic payment$1,121.31
Net proceeds$99,500.00
Your calculation, beautifully packaged.Download a report with this result, your inputs, the formula, and assumptions.
How this result was calculated
APR solves net proceeds = sum of discounted payments, then annualizes the periodic internal rate.
Country setup: United States. Displayed measurements are converted to the formula's base units internally.
Assumption: Cash-flow APR estimate for regular payments; jurisdiction-specific fee definitions, odd first periods and statutory rounding are excluded. United States planning scenario. Amounts, prices and rates are editable examples. No verified local tax bands, exemptions, benefits or lender rules are applied. Currency amounts are not exchanged.
Calculation version 1.0.0 · Support state: generic
Formula and method
APR solves net proceeds = sum of discounted payments, then annualizes the periodic internal rate.
This calculation uses the values you enter. It runs in your browser and does not request a location or account.
Worked example
With no fees and monthly compounding/payment, the estimated nominal APR equals the nominal loan rate.
Questions people ask
Which method does this tool use?
APR solves net proceeds = sum of discounted payments, then annualizes the periodic internal rate.
What should I check before using the result?
Cash-flow APR estimate for regular payments; jurisdiction-specific fee definitions, odd first periods and statutory rounding are excluded.