APR Calculator

Compare loans fairly. The APR includes fees, so you see the true annual cost of borrowing — not just the advertised rate. 100% free.

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🔒 Private by design

All calculations run locally in your browser. Nothing is uploaded to any server.

💰 Fees included

Origination fees, processing charges and points all affect the real APR — now you can see them.

🎯 Fair comparisons

Compare two loan offers with different rates and fees on a level playing field.

📈 Clear breakdown

See exactly how much of your total cost comes from interest versus fees.

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