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Mortgage & Home Loans · Mortgage Analysis

APR vs. Interest Rate Calculator

See the true APR once lender fees are included, next to the quoted note rate.

  • Free to use here · embed on the Free plan
  • 4 inputs · 5 results
  • English & Spanish

Try the APR vs. Interest Rate Calculator

Compare APR with the note rate — results update as you type.

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Estimates only — not a loan offer or financial advice.

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What this calculator does

What the APR vs. Interest Rate calculator works out

The APR vs. Interest Rate Calculator is a free, embeddable calculator from CalcFunnel. See the true APR once lender fees are included, next to the quoted note rate.

You enter 4 inputs: loan amount, note interest rate (%), loan term (years) and lender fees & points.

It returns effective APR, note interest rate, monthly payment, fees included and amount financed.

Built for loan officers, brokers and homebuyers. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category.

Results it shows

  1. 01Effective APR
  2. 02Note Interest Rate
  3. 03Monthly Payment
  4. 04Fees Included
  5. 05Amount Financed

The first figure — effective apr — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Loan Details

Loan Amount
The total amount you are borrowing from the lender, not including any fees.
Note Interest Rate (%)
The interest rate stated in your loan contract, before lender fees are factored in.
Loan Term (years)
The number of years over which the loan will be repaid.

Fees & Points

Lender Fees & Points
All upfront lender charges — origination fees, discount points, and similar costs — that reduce the net amount you actually receive.

For your website

Embed this calculator on your website

Put the APR vs. Interest Rate Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

APR vs. Interest Rate calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the APR vs. Interest Rate Calculator calculate?
See the true APR once lender fees are included, next to the quoted note rate. It returns effective APR, note interest rate, monthly payment, fees included and amount financed.
Q.02What information do I need to use the APR vs. Interest Rate Calculator?
You enter 4 inputs: loan amount, note interest rate (%), loan term (years) and lender fees & points. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Loan Amount” mean in the APR vs. Interest Rate Calculator?
The total amount you are borrowing from the lender, not including any fees.
Q.04What does “Note Interest Rate (%)” mean in the APR vs. Interest Rate Calculator?
The interest rate stated in your loan contract, before lender fees are factored in.
Q.05Is the APR vs. Interest Rate Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website is included on the Free plan (free forever for up to 5 calculators on one domain), as part of the Mortgage & Home Loans category. Compare plans.
Q.06Can I embed the APR vs. Interest Rate Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the APR vs. Interest Rate Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the APR vs. Interest Rate results financial advice?
No. Estimates only. APR depends on which fees a lender includes and how the loan is structured. Compare each lender's official Loan Estimate before deciding.

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