Calculadora de taxa de juros
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Seus detalhes
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.
Taxa de juros (APR)
0%
Monthly Rate
0%
Total de pagamentos
$0
Juros totais
$0
Prazo do empréstimo
0 meses
Principal vs Juros
0%
APR
0%
APY
0%
Diferença
0%
Fórmula
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Pagamento Mensal
$0
Taxas totais
$0
Net Proceeds
$0
Custo total
$0
Divisão de custos
Comparação de taxas
| Avaliar | Pagamento Mensal | Juros totais | Custo total |
|---|
Savings (lowest vs highest rate)
Mensal: $0
Total interest: $0
Monthly Payment by Rate
Guia do usuário completo
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.
Tipos de cálculo
- Encontrar taxa: 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.
- Taxa efetiva: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Comparar taxas: Enter multiple rates to compare monthly payments and total interest.
Fórmulas usadas
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).
Notas importantes
- 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.