金利計算ツール
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
あなたの詳細
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.
金利 (年利)
0%
Monthly Rate
0%
支払総額
$0
総利息
$0
融資期間
0 月
元金と利息
0%
APR
0%
APY
0%
違い
0%
式
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
月々のお支払い
$0
合計料金
$0
Net Proceeds
$0
総コスト
$0
コストの内訳
料金比較
| レート | 月々のお支払い | 総利息 | 総コスト |
|---|
Savings (lowest vs highest rate)
毎月: $0
Total interest: $0
Monthly Payment by Rate
完全なユーザーガイド
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.
計算の種類
- レートの検索: 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.
- 実効レート: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- 料金を比較する: Enter multiple rates to compare monthly payments and total interest.
使用される公式
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).
重要な注意事項
- 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.