APR Calculator - United States Rule Method

Origination Fee (as a percentage)

Loan Term (# of Periods)

Amount Financed ($)

Interest Rate (% per year)

Payment Frequency

Disbursement Date

Special Payment Period

No Special Period (Standard Repayment)

Deferred Payment

Minimum Payment

Interest Only Payment

Number of Deferred Periods

Number of Minimum Payment Periods

Minimum Payment Amount ($)

Number of Interest Only Periods

Capitalize unpaid interest at the end of special period

How It Works

Basic Calculation

Enter the loan details including amount, interest rate, and term
Select the payment frequency (monthly, weekly, etc.)
Enter the origination fee percentage
Click "Calculate" to see the results

Special Payment Options

Choose from various payment structures:

Standard Repayment: Equal payments throughout the loan term
Deferred Payment: No payments for a specified period
Minimum Payment: Reduced payments for a specified period
Interest Only: Pay only the interest for a specified period

Results Page

View the calculated Annual Percentage Rate (APR)
See total payment and interest amounts
Review the complete payment schedule
Download the payment schedule as a CSV file

United States Rule Method

This calculator uses the United States Rule method, which:

Applies payments to interest first, then principal
Calculates interest only on the outstanding principal
Provides accurate APR calculations for complex payment structures