APR Calculator
Calculate the true APR of a loan including fees and the equivalent monthly payment.
Monthly payment
396.02
APR
8.07%
Total paid
23,761.44
How to use
Enter the values that match your situation. Results update instantly as you type.
Tips
- Always add a small buffer for waste, leftover, or mistakes.
- Check the manufacturer's coverage rate or rating before buying.
- Round up — it's easier to have a little extra than to come up short.
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Last updated: 2026