Kalkulator stóp procentowych
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Twoje dane
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.
Stopa procentowa (RRSO)
0%
Monthly Rate
0%
Suma płatności
$0
Całkowite odsetki
$0
Okres pożyczki
0 miesiące
Kapitał kontra odsetki
0%
APR
0%
APY
0%
Różnica
0%
Formuła
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Płatność miesięczna
$0
Suma opłat
$0
Net Proceeds
$0
Całkowity koszt
$0
Podział kosztów
Porównanie stawek
| Wskaźnik | Płatność miesięczna | Całkowite odsetki | Całkowity koszt |
|---|
Savings (lowest vs highest rate)
Miesięczny: $0
Total interest: $0
Monthly Payment by Rate
Kompletny podręcznik użytkownika
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.
Typy obliczeń
- Znajdź stawkę: 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.
- Efektywna stawka: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Porównaj ceny: Enter multiple rates to compare monthly payments and total interest.
Używane formuły
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).
Ważne uwagi
- 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.