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APR 계산기

수수료를 포함한 대출의 실질 연이율(APR)을 계산합니다.

소개

APR Calculator — Compute the effective APR of a loan including fees. Enter Loan amount, Nominal rate (%), Term (months), Fees to get an instant, accurate result.

공식

Solves for the effective monthly rate on the amount actually financed (loan amount minus fees) that reproduces the same payment as the nominal-rate loan, using an iterative Newton's-method search; APR = that rate × 12.

단계별 안내

  1. Enter the Loan amount.
  2. Enter the Nominal rate (%).
  3. Enter the Term (months).
  4. Enter the Fees.
  5. Click Calculate to see your result instantly.

실제 예시

Example: With Loan amount = 20000, Nominal rate (%) = 7, Term (months) = 60, Fees = 500, the APR Calculator gives APR Pct: 8.0679, Nominal Rate Pct: 7, Monthly Payment: 396.024.

자주 묻는 질문

Why is APR higher than my nominal interest rate?
Because fees reduce the amount you actually receive while you still repay based on the full loan amount, effectively raising the true cost of borrowing.
Is this the exact regulatory APR formula?
It closely approximates the standard actuarial method but may differ slightly from a lender's disclosed APR depending on how fees are classified.
What inputs does the APR Calculator need?
You'll need to provide: Loan amount, Nominal rate (%), Term (months), Fees. All fields use sensible defaults, so you can see a working example immediately and then adjust the values to match your own numbers.
How accurate is the APR Calculator?
The APR Calculator applies the formula exactly as calculated — Solves for the effective monthly rate on the amount actually financed (loan amount minus fees) that reproduces the same payment as the nominal-rate loan, using an iterative Newton's-method search; APR = that rate × 12. — so results are precise for the inputs you provide. Accuracy depends on entering correct, realistic input values.
Are these results guaranteed?
No. The APR Calculator gives an estimate based on the numbers you enter and standard financial formulas — actual rates, fees, taxes, and terms vary by lender, institution, and jurisdiction, and can change over time. This is not financial advice; consult a qualified financial professional for decisions specific to your situation.
Is the APR Calculator free to use?
Yes, the APR Calculator is completely free, requires no signup, and runs instantly in your browser.

APR 계산기 소개

The APR Calculator uses a real, verifiable formula — Solves for the effective monthly rate on the amount actually financed (loan amount minus fees) that reproduces the same payment as the nominal-rate loan, using an iterative Newton's-method search; APR = that rate × 12. — so results are accurate every time, not an approximation.