Calculadora de tipus d'interès
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Els teus detalls
Choose a calculation type, enter your numbers, and click Calculate to see your interest rate, APR/APY conversion, effective rate with fees, or rate comparison.
Taxa d'interès (TAE)
0%
Monthly Rate
0%
Pagaments totals
$0
Interès total
$0
Termini del préstec
0 mesos
Principal vs interès
0%
APR
0%
APY
0%
Diferència
0%
Fórmula
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Pagament mensual
$0
Comissions totals
$0
Net Proceeds
$0
Cost total
$0
Desglossament de costos
Comparació de tarifes
| Taxa | Pagament mensual | Interès total | Cost total |
|---|
Savings (lowest vs highest rate)
Mensualment: $0
Total interest: $0
Monthly Payment by Rate
Guia d'usuari completa
What is APR vs APY?
APR (Annual Percentage Rate) is the nominal rate before compounding. APY (Annual Percentage Yield) is the actual return after compounding. When interest compounds more than once per year, APY is higher than APR. This calculator finds APR from payment and term, converts between APR and APY, and shows effective rate when fees are included.
Tipus de càlcul
- Cerca la taxa: Enter loan amount, monthly payment, and term to get the implied APR.
- APR → APY: Convert a stated APR to APY for a given compounding frequency.
- APY → APR: Convert APY back to the equivalent APR.
- Tarifa efectiva: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Compara tarifes: Enter multiple rates to compare monthly payments and total interest.
Fórmules utilitzades
APY = (1 + APR/n)^n − 1
APR = n × [(1 + APY)^(1/n) − 1]
n = compounding periods per year. Find rate uses the loan payment formula solved for rate (Newton-Raphson).
Notes importants
- This tool is for education and estimation only. Not financial or legal advice.
- Effective rate with fees reflects the true cost when you receive less than the full loan amount.