Máy tính lãi suất
Find APR from payment and term, convert between APR and APY, calculate effective rate with fees, or compare loan rates. Get instant results.
Thông tin chi tiết của bạn
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.
Lãi suất (APR)
0%
Monthly Rate
0%
Tổng số tiền thanh toán
$0
Tổng lãi
$0
Thời hạn cho vay
0 tháng
Tiền gốc và tiền lãi
0%
APR
0%
APY
0%
Sự khác biệt
0%
Công thức
APR vs APY
Effective Annual Rate
0%
Nominal Rate
0%
Thanh toán hàng tháng
$0
Tổng phí
$0
Net Proceeds
$0
Tổng chi phí
$0
Phân tích chi phí
So sánh tỷ lệ
| Tỷ lệ | Thanh toán hàng tháng | Tổng lãi | Tổng chi phí |
|---|
Savings (lowest vs highest rate)
hàng tháng: $0
Total interest: $0
Monthly Payment by Rate
Hướng dẫn sử dụng hoàn chỉnh
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.
Các loại tính toán
- Tìm tỷ lệ: 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.
- Tỷ lệ hiệu quả: Include origination fees, points, and other fees to see the true cost of the loan (effective annual rate).
- So sánh giá: Enter multiple rates to compare monthly payments and total interest.
Công thức được sử dụng
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).
Ghi chú quan trọng
- 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.