APR calculator

Estimate APR from principal, equal monthly payments and entered fees. Solves cash-flow present value with equal months. Does not replace contractual APR.

Your inputs stay herePUFFINMINT

Set your data

Loan principal (€)

Monthly installment (€)

Monthly payments (1–600)

Upfront fees (€)

Fee per payment (€)

Result

Enter your data and run the tool. Your result will appear here.

Loan cash flows

Compare the amount received after upfront fees with the cumulative repayments, including monthly fees.

The values you enter stay on this page. Reloading or closing it clears them.

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How to use the tool

Fill in these fields: Loan principal (€), Monthly installment (€), Monthly payments (1–600), Upfront fees (€), Fee per payment (€).
Select “Calculate” to obtain the result.
Compare the amount received after upfront fees with the cumulative repayments, including monthly fees.
Use the sliders in the calculator with a mouse, touch or the arrow keys. Use the calculator fields for precise values or values outside the sliders’ ranges.

Method and principles

Formula

P - F_{0} = Σ \frac{A + F_{m}}{{(1 + r)}^{m}}

P − F₀ = Σ (A + Fₘ)/(1+r)^m; APR = ((1+r)^12 − 1) × 100

APR = ({(1 + r)}^{12} - 1) \times 100

Practical example

Input

Loan principal (€): 10000
Monthly installment (€): 190
Monthly payments (1–600): 60
Upfront fees (€): 100
Fee per payment (€): 2

Result

6.30662848372 %

Limits and checks

Limits and checks
Parameter	Value
Monthly payments (1–600)	≥ 1; ≤ 600

Sources and further reading

Banca d’Italia · TAEG

APR calculator

Set your data

Result

How to use the tool

Method and principles

Formula

Practical example

Limits and checks

Sources and further reading

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