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APR Planner

Enter the loan amount, the interest rate, the term, and the upfront fees. The calculator shows the annual percentage rate that includes those fees, and the monthly payment.

Your numbers

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APR including fees 
Monthly payment 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioAPR including feesMonthly payment

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Monica Tulips ยท Updated: October 31, 2026

About the author

Monica Tulips

Monica Tulips

Finance Writer, Moni Calculator Pro

Monica Tulips writes the personal finance, savings, and loan guides on Moni Calculator Pro. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

Why is the APR higher than the stated rate?

Fees reduce the money you receive, so the rate you actually pay is higher. The APR spreads those fees across the loan.

Do all fees count toward APR?

Not always. Which charges are included depends on the type of loan and the rules that apply. The lender's disclosure shows the figure that counts.

Does a longer term change the APR?

Yes, usually. Fees spread over a longer term add less to the yearly rate, so the APR can be closer to the stated rate.

Should I compare APRs or monthly payments?

Compare both. A low payment can hide a high APR, and a low APR can come with a payment that does not fit your budget.

Where do I find the fees?

Look for the loan estimate or the disclosure form from the lender. It lists the upfront charges, which you can add here.