Welcome to apr-calculator.com, your trusted resource for accurate, free APR calculations and financial education.
Our Mission
We believe everyone deserves access to transparent, accurate financial tools. Our mission is to empower borrowers with the information they need to make informed decisions about loans, mortgages, and credit.
Too often, consumers compare loans based solely on interest rates, missing the hidden costs buried in fees and fine print. By calculating and comparing APR (Annual Percentage Rate), you can see the complete picture and choose the loan that truly costs less.
Why We Built This Tool
Understanding APR shouldn't require expensive software or a finance degree. We created this calculator to provide:
- Accuracy — Industry-standard Newton-Raphson algorithm with 0.001% precision
- Transparency — Complete methodology explanations and educational content
- Accessibility — Free, no registration, works on any device
- Privacy — All calculations happen in your browser; we don't store your data
- Education — Comprehensive guides to help you understand APR and make better decisions
What Makes Us Different
1. Professional-Grade Accuracy
Our calculator uses the same Newton-Raphson numerical method required by the Truth in Lending Act (TILA). Results match those from professional financial software and regulatory compliance tools.
2. Complete Transparency
We explain exactly how APR is calculated, what fees to include, and why it matters. No black boxes or secret formulas—just clear, educational content.
3. Privacy First
Your financial information never leaves your device. All calculations are performed locally in your browser using JavaScript. We don't collect, store, or transmit your loan details.
4. No Hidden Agenda
We don't sell loans, don't work for lenders, and don't profit from your borrowing decisions. This is a free educational tool, period.
Our Commitment to Quality
We're committed to maintaining the highest standards:
- Tested accuracy — Validated against authoritative sources and regulatory examples
- Regular updates — Content and calculators updated to reflect current regulations
- Accessible design — WCAG AA compliant for users of all abilities
- Fast performance — Optimized for quick loading and smooth interactions
- Mobile-friendly — Works perfectly on smartphones, tablets, and desktops
Educational Resources
Beyond the calculator, we provide comprehensive educational content:
- How APR is Calculated — Technical deep dive
- Calculating APR with Fees — Step-by-step guide
- Blog — Ongoing articles about APR, loans, and personal finance
Get Started
Ready to calculate your APR? Our free calculator includes:
- Complete APR calculation including all fees
- Full amortization schedule
- Visual payment breakdown charts
- CSV export for your records
- Print-friendly formats
Contact Us
Have questions, suggestions, or feedback? We'd love to hear from you. Visit our contact page to get in touch.
Disclaimer: This calculator is provided for educational and informational purposes only. While we strive for accuracy, this tool should not be considered financial, legal, or tax advice. Consult with qualified professionals for personalized guidance on your specific situation.