Ränteräknare
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Dina detaljer
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.
Räntesats (APR)
0%
Monthly Rate
0%
Totala betalningar
$0
Totalt intresse
$0
Lånetid
0 månader
Rektor vs intresse
0%
APR
0%
APY
0%
Skillnad
0%
Formel
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Månadsbetalning
$0
Totala avgifter
$0
Net Proceeds
$0
Total kostnad
$0
Kostnadsfördelning
Prisjämförelse
| Hastighet | Månadsbetalning | Totalt intresse | Total kostnad |
|---|
Savings (lowest vs highest rate)
Månatlig: $0
Total interest: $0
Monthly Payment by Rate
Komplett användarhandbok
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.
Beräkningstyper
- Hitta pris: 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.
- Effektiv kurs: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- Jämför priser: Enter multiple rates to compare monthly payments and total interest.
Använda formler
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).
Viktiga anmärkningar
- 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.