Interest Rate Calculator

Reveal the true interest rate hidden within your monthly payments.

Loan Parameters
$
$
years
months
Why Check?

Lenders often highlight the monthly payment, which can hide a high interest rate. Reverse-calculating the rate helps you find the true cost.

Common Rates (APR)
Mortgages6 - 8%
Auto Loans4 - 12%
Credit Cards18 - 29%
Developer Note

This calculation uses an iterative bisection algorithm to solve for the rate, as there is no direct algebraic way to reverse the amortization formula.

Borrowing Tip

Always ask for the Annual Percentage Rate (APR). Unlike a simple interest rate, the APR includes fees and closing costs, providing a more accurate look at the total expense.

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