Effective Annual Interest Rate (APR) Calculator

Unmask the true cost of your fixed-installment loans (KPR, car, multipurpose) by calculating the real annual effective interest rate (APR/EIR), including hidden upfront fees.

Loan Principal

Total loan amount before fees.

Monthly Installment

Fixed monthly payment amount.

Loan Term (Months)

Total duration in months (e.g., 4 years = 48 months).

Upfront Fees (Deducted)

Administration Fee

Provision Fee

Upfront Insurance Fee

Calculate True APR

Unmasking the True Cost: APR vs. Flat Rate

Case Study: Loan Comparison

Why APR is the Key Metric

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