APR Calculator

Estimate the true APR of a loan including fees and points — compare stated interest rate vs real cost.

Loan details

Loan amount ($)

Upfront fees / points ($)

Stated interest rate (%)

Term (years)

Fees reduce net proceeds. APR is the rate that equates the present value of payments to the amount you actually receive.

Estimated APR

6.646%

Stated rate: 6.50%

$1,264.14

Monthly payment

$255,088.98

Total interest (stated rate)

$197,000.00

Net proceeds after fees

APR is an approximate estimate using standard amortization and upfront fees. Actual APR may differ based on compounding, payment timing, insurance, and lender-specific charges.