通用年利率計算器
了解費用和還款頻率如何影響實際借貸成本。輸入您的貸款詳情，或嘗試使用我們提供的現成範例，即可查看易於比較的年利率明細。
快速入門範例數據
選擇方案後，計算器將自動填入資料。之後您可以調整任何數值。
Loan basics
您計劃借款的總金額（不包括任何費用）。
貸款機構提供的年利率（不含費用）.
費用及頻率
貸款餘額的利息多久計算一次？
您的還款頻率。
費用計入貸款餘額（分期償還）。
您在房屋交割時所支付的費用（非融資費用）。
實質年利率
付款金額
已償還總額
本金、利息和費用合計。
利息成本
超出借款金額的部分需要支付多少？.
| 貸款金額 | |
| 貸款費用 | |
| 預付費用 | |
| 總付款 | |
| 定期付款 | |
| 總利息 | |
| 所有款項和費用 | |
目錄
Get the annual percentage rate (APR) for any fixed-rate loan and understand the true cost of borrowing. This calculator includes interest, upfront fees, and rolled-in charges. This means your APR shows the real price, not just the advertised rate.
Why this tool wins
- Fast, accurate results for people who want to calculate APR with fees.
- Clear explanations for comparing APR vs. interest rate.
- Built-in two-offer comparison for mortgage, auto, or personal loan.
How to use
- Enter basics: loan amount, term (months or years), and the quoted interest rate.
- Add fees: split upfront fees (paid at closing) and rolled-in fees (financed into the loan).
- Calculate & compare: see APR, monthly payment, and total cost, then add a second quote to compare side-by-side.
- Mortgage tip: After you calculate, use the PMI removal calculator. This tool helps you estimate when PMI will drop, usually at around 80% LTV. It also shows how extra principal payments can speed up that date. Finally, it shows your payment after removing PMI.
Pro tip: APR is a nominal annual rate derived from the monthly internal rate of return (IRR). We also show the effective yearly rate so you can see compounding effects.
What’s included in APR
Often counted toward APR (varies by product/jurisdiction):
- Origination, underwriting, and processing fees
- Discount points on mortgages
- Certain lender-mandated credit charges
Commonly not included:
- Late fees and prepayment penalties
- Escrow items (property taxes, homeowners' insurance)
- Optional add-ons (warranties, service plans)
Understand your result, what moves the APR.
- Upfront fees reduce your day-0 cash → APR usually rises.
- Rolled-in fees increase what you repay → APR nudges up.
- Shorter terms spread fees over fewer months → APR often goes up.
- Longer terms can lower APR, but total interest increases.
APR vs. interest rate vs. effective annual rate
- Interest rate: the advertised rate used to compute payments; excludes fees.
- APR (nominal): a standardised rate that includes eligible finance charges and their timing.
- Effective annual rate: shows compounding: (1 + monthly rate)^12 − 1. It’s useful for insight; loan disclosures typically use APR.
Mortgage APR points, PMI, and closing costs
- Use the APR calculator mortgage mode to capture real-world costs.
- Enter discount points and closing fees as upfront or rolled-in
- Optionally include PMI in total-cost planning (even if disclosures treat it differently)
- Compare refinance options by entering your current quote vs. a new offer.
Auto & personal loans, quick decisions with clarity
For auto and personal loans, origination/documentation fees heavily influence APR, especially on short terms. Use the comparison panel to test:
- Dealer financing vs. bank/credit union
- Different fee mixes or terms (24 vs. 48 months)
- The impact of rolling fees on the loan
Worked example (why fees push APR above the rate)
Scenario A (with fees)
- Borrow $20,000 at 7.5% for 36 months.
- Fees: $200 upfront + $200 rolled-in
- Payment based on $20,200 ≈ $628.35/month
- Cash received on day 0: $19,800
- Monthly IRR ≈ 0.738% → APR (nominal) ≈ 8.86%; Effective ≈ 9.23%
Scenario B (no fees)
Same terms with $0 fees → APR = 7.5
Takeaway: Even modest fees can push APR above the interest rate, especially on short terms.
Compare two offers
Add a second quote to compare APR, monthly payment, and total cost instantly. Ideal for:
- Refinancing (old vs. new lender)
- Mortgage shop-offs (different points/PMI)
- Auto dealership vs. bank financing
Who this calculator is for
- Shoppers want a true APR calculator that includes fees
- Homebuyers comparing mortgage APR with points/PMI
- Car buyers deciding between dealer and bank financing
- Anyone can compare two loan offers quickly and confidently
Related tools
Reverse Mortgage Calculator: Model principal/interest plus taxes and insurance; test extra payments and term changes.
Auto Loan Calculator with Extra Payment: Compare dealer and bank financing. Experiment with various durations such as 24, 36, 48, or 60 months, and review the overall expense.
Credit card payoff calculator extra payment: Plan faster payoff, estimate interest savings, and set a target payoff date.
Auto Refinance Calculator: See how long points and closing costs take to pay back after refinancing.