把含手续费的贷款、或按月复利的信用卡，换算成真实年化利率（EAR）。
Common: 1-5% of loan amount
6.50%
7.780%
$195.66
$2,039.69
APR is the Annual Percentage Rate, which includes both the note rate and any fees folded into the loan. The lender is required to disclose APR under the Truth in Lending Act (TILA) so you can compare loan offers fairly. Lower APR = lower true cost of borrowing.
信用卡通常按月复利，名义 APR ≠ 实际 EAR：
| 名义 APR | 实际 EAR (月复利) | $10K 余额年利息 |
|---|---|---|
| 15.99% | 17.27% | $1,727 |
| 19.99% | 21.94% | $2,194 |
| 24.99% | 28.07% | $2,807 |
EAR = (1 + APR/n)^n − 1，n = 复利次数/年。信用卡 n=12 月复利，房贷 n=12（标准），储蓄账户 n=365（日复利）。比较贷款时一定看 EAR，不要看名义 APR。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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FAQ
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An APR (Annual Percentage Rate) calculator is a free loan-cost comparison tool that shows the true cost of borrowing including both the interest rate and any fees. Our APR calculator accepts loan amount, note rate (advertised interest), term, and upfront fees, then uses bisection search to find the APR — the rate at which the present value of all monthly payments equals the loan amount minus fees. APR is required to be disclosed by lenders under the Truth in Lending Act (TILA).
How it works
Our APR calculator finds the true cost-of-borrowing rate by including both the note rate and any upfront fees, using bisection search to solve the loan equation.
Type the loan principal and term in years. The APR calculator computes the monthly payment from the note rate using the standard amortization formula.
Type the interest rate the lender quoted. This is the rate applied to the loan balance before fees.
Type the total of any origination fees, discount points, or closing costs that the lender charges. Our APR calculator subtracts this from the loan principal to find the actual amount you receive.
The APR calculator shows the note rate, the true APR, the monthly payment, and the total cost (interest + fees). The APR is always equal to or higher than the note rate — the gap shows how much the fees add to your cost.
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