Free financial planning tool
Loan APR Calculator
Calculate true annual percentage rate including all fees. Use this quick guide to understand the inputs and method, then open the full interactive version for personalized results.
Open interactive calculatorHow the estimate works
Results combine loan cash flows, rates, fees, timing, and the scenario choices entered in the full calculator.
How to use this calculator
- Open the interactive calculator and enter your current figures.
- Adjust the rate, term, contribution, or fees to compare scenarios.
- Review the payment or result together with the total long-term cost.
What to check before deciding
- Use the same assumptions when comparing alternatives.
- Review both the monthly impact and lifetime cost.
- Treat estimates as planning guidance and confirm lender terms before acting.
Important note
Results are estimates for planning and comparison. Actual rates, taxes, fees, eligibility, and returns vary by provider and location. Confirm final figures with the relevant lender, institution, or adviser.