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APR Advanced Calculator

Calculate APR including multiple fee items and discount points.

Reviewed by the KakouCalc editorial team · Updated July 2026

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Effective APR
6.78%
Total Fees + Points
$8,500.00
Points Cost
$3,000.00
Monthly Payment
$1,896.20
Stated Rate
6.50%
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How to use the APR Advanced Calculator

The APR Advanced Calculator is free and runs entirely in your browser — no sign-up, and nothing you enter leaves your device. It opens pre-filled with a realistic example, so you can see how it works before replacing any figure with your own; the results update as you type. Press Calculate to refresh the result panel, or Reset to return to the example.

The inputs it asks for:

  • Loan Amount — a dollar amount.
  • Stated Interest Rate — a percentage (enter 6 for 6%).
  • Term (Years) — a number.
  • Origination Fee — a dollar amount.
  • Other Closing Fees — a dollar amount.
  • Discount Points — a percentage (enter 6 for 6%).

Worked example

Using the example values — Loan Amount $300,000.00, Stated Interest Rate 6.5%, Term (Years) 30, Origination Fee $3,000.00, Other Closing Fees $2,500.00, Discount Points 1% — the APR Advanced Calculator returns a Effective APR of 6.78%. It also reports Total Fees + Points ($8,500.00), Points Cost ($3,000.00), Monthly Payment ($1,896.20).

Prefer your own numbers? Change any field above and this recomputes instantly.

Educational information, not financial advice. See our methodology for how these tools are built and checked.