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APR Calculator - Calculate your annual percentage rate

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This APR Calculator helps you discover what your mortgage loan is really costing you!

What is Annual Percentage Rate (APR)?
A figure which attempts to reflect the total cost of a loan, expressed as a yearly rate. Because the APR takes the total cost of credit into account, it can never be lower, and is almost higher than the stated note rate or advertised rate. Within reason, the APR allows you to compare different types of mortgages based on the total cost.

APR Calculator
Use this calculator to estimate how those expenses affect the interest rate when spread over the life of the loan
Loan Amount
Quoted Interest Rate(%)
Repayment Period
Other Closing Costs

Here are the Results of Your Calculation:

Annual Percentage Rate:
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APR Calculator input definitions

A sum of borrowed money (principal) that is generally repaid with interest.

Closing Costs
The total costs and fees associated with closing. Includes one-time non-recurring fees and charges for inspections and other services, and (usually) initial escrows for recurring costs such as property taxes and insurance.

A point is equal to 1 percent of the mortgage. One point on a $100,000 mortgage would be $1,000, for example. Discount points are simply interest that is paid up-front. Most lenders offer mortgages with several combinations of points and interest rates; generally, more points means a lower interest rate, less points means a higher rate.

DISCLAIMER: There is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your own financial advisor.

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