---
title: "APR Calculator — True Annual Percentage Rate Including Fees (US, EU, UK)"
description: "Calculate the true APR from your interest rate plus origination fees. Understand US TILA vs EU APRC vs UK APR differences. Compare loan offers accurately. Free, no ads."
url: "https://worldcalculators.org/calculators/apr/"
canonical: "https://worldcalculators.org/calculators/apr/"
---

# APR Calculator

Calculate the true APR from your interest rate plus origination fees. Understand US TILA vs EU APRC vs UK APR differences. Compare loan offers accurately. Free, no ads.

## Quick Answer

A $20,000 loan at 6.5% with a 1% origination fee ($200) has a true APR of approximately 6.85% . That 0.35% difference costs you around $70 more per year — always compare APR, not just the rate.

Source: https://worldcalculators.org/calculators/apr/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.