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PAYMENTS & COMPARISON

Fee-adjusted APR estimate calculator

Estimate a nominal annual rate from net proceeds and equal monthly payments.

Example values are editable scenarios, not current offers. Enter your actual quoted terms.

Enter your scenario and select Calculate.

How this estimate works

Uses the entered rates and payment timing. Taxes and unentered costs are excluded. Estimates are not offers or eligibility decisions. Solves the monthly cash-flow rate, then multiplies by 12. This is an educational cash-flow estimate, not a statutory APR disclosure. Timing and legally included charges can differ.

Results use unrounded intermediate amounts; display and CSV round to cents. Actual lender rounding and day counts can differ. Inputs are calculated locally and are not submitted to our server.

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Scenario schedule

Periods are monthly unless this calculator specifies a different payment frequency. A final balloon is included in the final payment. See the model assumptions above.