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APR Calculator
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APR Calculator
Estimate annual percentage rate from interest rate, upfront fees and term. For illustration only — not a credit offer or regulated advice. Check your lender’s APR disclosure.
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How to Use Financial Calculators Effectively
Accurate Input Data
Use current market rates, actual loan terms, and realistic assumptions. For mortgage calculations, include buildings insurance and any fees. Investment projections should use conservative return estimates based on historical averages.
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These calculators provide estimates for planning purposes. Always consult with qualified financial advisors, tax professionals, or mortgage specialists for personalized advice and final decision-making on significant financial matters.
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APR Calculator — Rate and Fees to Annual Percentage Rate
Calculate APR from interest rate, fees and term. Free online APR calculator from Calculator Direct — planning only, not credit advice.
Estimate how upfront fees change the effective annual percentage rate on an amortising loan compared with the headline interest rate.
For illustration only — not a credit offer or regulated advice. Check your lender’s APR disclosure.
Why fees change APR
If you pay arrangement fees but receive less usable cash than the face loan amount, the effective cost of borrowing rises. This calculator solves for an approximate APR from payment schedule and amount received — calculator-led, not a multi-lender comparison wall.
How to use this calculator
- Enter the loan amount and headline interest rate.
- Add any upfront fees deducted from or paid on top of the loan.
- Enter the term in years.
- Review estimated APR and monthly payment.
Worked example: £10,000 over 3 years with fees
A £10,000 loan at 8.9% with £250 fees means you effectively receive £9,750 while still paying the amortising payment on £10,000 — so estimated APR is higher than 8.9%.
Frequently asked questions
Is this the official APR your lender must quote?
No. Regulated APR formulas and assumptions vary. Use your lender’s disclosure as the source of truth.
Does this compare lenders?
Not in v1. It is a single-loan APR estimate only.