APR (annual percentage rate) is the yearly cost of borrowing including interest and certain fees. It lets you compare loans and credit cards on a standard basis.

APR vs interest rate?

Interest rate is the cost of borrowing; APR includes rate plus some fees (e.g. origination). APR is usually higher. Use APR to compare offers.

How is APR used for credit cards?

Credit card APR is applied to your balance to calculate interest. This calculator can show monthly interest and total cost at a given APR.

APR Calculator

Free apr calculator. Get instant results — no signup, no account. Plan and compare with confidence.

Use the APR Calculator below.

Calculate APR (annual percentage rate) and interest on loans or credit cards. Enter principal, rate, and fees. Free APR calculator for USA and worldwide.

How to use APR Calculator

Enter loan or balance
Input principal or card balance.
Enter rate and fees
Input interest rate and any fees.
View APR and interest
See APR and total interest cost.

Features

Instant results — no waiting or signup.
Free to use — no hidden fees.
No login or account required.
Works on all devices — desktop, tablet, and mobile.
Your data stays private — we do not store your inputs.

Why use this calculator

Plan your finances with accurate estimates.
Compare scenarios in seconds.
Make informed decisions before you borrow or invest.

Supported browsers and devices

All modern browsers (Chrome, Firefox, Safari, Edge).
Mobile-friendly — use on phone or tablet.
No app download — runs in your browser.

Frequently asked questions

Complete guide to APR Calculator

What is APR?

APR (Annual Percentage Rate) is the cost of borrowing expressed as a yearly rate, including interest and certain fees. It lets you compare loans and credit cards on a common basis. Credit cards may have a purchase APR, balance transfer APR, and penalty APR. Use an APR calculator to see how different APRs affect your monthly interest and total cost.

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Disclaimer

Our financial calculators are for informational and educational purposes only. Results are estimates based on the inputs you provide and standard formulas. They are not financial, tax, or legal advice. We do not store or share the numbers you enter.