Υπολογιστής επιτοκίου
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Τα στοιχεία σας
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.
Επιτόκιο (ΑΠΡ)
0%
Monthly Rate
0%
Σύνολο πληρωμών
$0
Συνολικός τόκος
$0
Διάρκεια δανείου
0 μήνες
Κύριος έναντι τόκου
0%
APR
0%
APY
0%
Διαφορά
0%
Τύπος
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Μηνιαία πληρωμή
$0
Συνολικά τέλη
$0
Net Proceeds
$0
Συνολικό Κόστος
$0
Ανάλυση κόστους
Rate Comparison
| Τιμή | Μηνιαία πληρωμή | Συνολικός τόκος | Συνολικό Κόστος |
|---|
Savings (lowest vs highest rate)
Μηνιαίος: $0
Total interest: $0
Monthly Payment by Rate
Πλήρης Οδηγός χρήσης
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.
Τύποι Υπολογισμού
- Εύρεση ποσοστού: 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.
- Αποτελεσματικός Ποσοστός: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Compare Rates: Enter multiple rates to compare monthly payments and total interest.
Φόρμουλες που χρησιμοποιούνται
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).
Σημαντικές Σημειώσεις
- 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.