Free APR Calculator - Find True Loan Cost & Annual Percentage Rate for 2025

Our free APR calculator for 2025 reveals the true cost of any loan by calculating the real annual percentage rate including all fees, points, and closing costs. While lenders advertise attractive interest rates, the APR tells the complete story by factoring in origination fees, processing costs, underwriting fees, discount points, and other charges. This comprehensive calculator helps you compare loans accurately, showing exactly how much you'll pay beyond the stated interest rate. Whether evaluating mortgages, auto loans, personal loans, or credit cards, understanding APR is crucial for making informed borrowing decisions and avoiding costly surprises.