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APR, APY & Cost of Debt

Three calculators that translate financial jargon into plain dollars — so you know exactly what borrowing costs and what saving earns.

APR Calculator

Find your true borrowing cost after fees

Loan amount
$
Upfront fees
$
Stated interest rate
%
Loan term
months

Monthly payment

$200.38

True APR

1200.000%

Total interest paid

$2,022.77

Total cost of loan

$12,222.77

Fee impact on rate

+1192.500%

APR vs interest rate: The interest rate only reflects the cost of borrowing the principal. APR adds fees, so it's always ≥ the interest rate. When comparing loan offers, always compare APRs — not the stated rates.

Disclaimer:These calculators are provided for educational and informational purposes only and produce estimates based on the figures you enter. Actual APR, APY, and total borrowing costs depend on your lender's terms, fees, and compounding method and may differ from these results. Nothing here constitutes financial, investment, tax, or legal advice. Consult a qualified professional before making financial decisions. See our full disclaimer.

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