Interest Rate Calculator
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Ihre Daten
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.
Zinssatz (APR)
0%
Monthly Rate
0%
Gesamtzahlungen
$0
Gesamtzins
$0
Kreditlaufzeit
0 Monate
Kapital vs. Interesse
0%
APR
0%
APY
0%
Unterschied
0%
Formel
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Monatliche Zahlung
$0
Gesamtgebühren
$0
Net Proceeds
$0
Gesamtkosten
$0
Kostenaufschlüsselung
Tarifvergleich
| Rate | Monatliche Zahlung | Gesamtzins | Gesamtkosten |
|---|
Savings (lowest vs highest rate)
Monatlich: $0
Total interest: $0
Monthly Payment by Rate
Vollständiges Benutzerhandbuch
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.
Berechnungsarten
- Rate finden: 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.
- Effektiver Zinssatz: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Preise vergleichen: Enter multiple rates to compare monthly payments and total interest.
Verwendete Formeln
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).
Wichtige Hinweise
- 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.