APR Calculator

Live. Reg Z Appendix J APR from the amount financed and payment schedule, with a check of the disclosed APR against the TILA tolerances.

Send up to 100 loans (amount financed, payment, number of payments, unit period monthly/semimonthly/biweekly/weekly, optional odd first-period days, first or final payment, disclosed APR). Returns the actuarial APR, periodic rate, finance charge and total of payments, whether the disclosed APR is within 1/8 point (regular) or 1/4 point (irregular) under 12 CFR 1026.22, and flags understated APRs and APRs over 36%. For auditing placed installment, auto and BHPH paper. Not legal advice. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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