Kalkulator Suku Bunga
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Detail Anda
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.
Suku Bunga (APR)
0%
Monthly Rate
0%
Jumlah Pembayaran
$0
Jumlah Bunga
$0
Jangka Waktu Pinjaman
0 bulan
Pokok vs Bunga
0%
APR
0%
APY
0%
Perbedaan
0%
Rumus
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Pembayaran Bulanan
$0
Jumlah Biaya
$0
Net Proceeds
$0
Jumlah Biaya
$0
Rincian Biaya
Perbandingan Tarif
| Kecepatan | Pembayaran Bulanan | Jumlah Bunga | Jumlah Biaya |
|---|
Savings (lowest vs highest rate)
Bulanan: $0
Total interest: $0
Monthly Payment by Rate
Panduan Pengguna Lengkap
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.
Jenis Perhitungan
- Temukan Tarif: 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.
- Tarif Efektif: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Bandingkan Tarif: Enter multiple rates to compare monthly payments and total interest.
Rumus yang Digunakan
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).
Catatan Penting
- 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.