이자율 계산기
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
귀하의 세부 정보
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.
이자율(APR)
0%
Monthly Rate
0%
총 결제금액
$0
총 이자
$0
대출기간
0 개월
원금과 이자
0%
APR
0%
APY
0%
차이점
0%
공식
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
월별 결제
$0
총 수수료
$0
Net Proceeds
$0
총 비용
$0
비용 분석
요금 비교
| 비율 | 월별 결제 | 총 이자 | 총 비용 |
|---|
Savings (lowest vs highest rate)
월간 간행물: $0
Total interest: $0
Monthly Payment by Rate
전체 사용자 가이드
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.
계산 유형
- 요금 찾기: 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.
- 유효율: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- 요금 비교: Enter multiple rates to compare monthly payments and total interest.
사용된 공식
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).
중요 사항
- 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.