ब्याज दर कैलकुलेटर
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
आपका विवरण
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.
ब्याज दर (एपीआर)
0%
Monthly Rate
0%
कुल भुगतान
$0
कुल ब्याज
$0
ऋण अवधि
0 महीने
मूलधन बनाम ब्याज
0%
APR
0%
APY
0%
अंतर
0%
FORMULA
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
मासिक भुगतान
$0
कुल शुल्क
$0
Net Proceeds
$0
कुल लागत
$0
लागत विकार
दर तुलना
| दर | मासिक भुगतान | कुल ब्याज | कुल लागत |
|---|
Savings (lowest vs highest rate)
महीने के: $0
Total interest: $0
Monthly Payment by Rate
संपूर्ण उपयोगकर्ता मार्गदर्शिका
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.
गणना के प्रकार
- दर खोजें: 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.
- प्रभावी दर: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- दरों की तुलना करें: Enter multiple rates to compare monthly payments and total interest.
प्रयुक्त सूत्र
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).
महत्वपूर्ण नोट्स
- 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.