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Interest Rate Calculator

Find the implied interest rate on a loan given the loan amount, monthly payment, and term. Useful for comparing loan offers.

Real-time results 100% free No sign-up Mobile friendly

Formulas verified against authoritative sources including the CFPB and Federal Reserve. Last reviewed . Editorial policy.

Loan Details

$
$
mo

Results

Annual Interest Rate

12.50%

APR (Effective)

13.25%

Monthly Rate

1.042%

Total Interest

$3,500.00

Total Payment

$13,500.00

Loan Amount

$10,000.00

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