APR Calculator Instructions

What is the Annual Interest Rate?
The Annual Interest Rate (AIR) is the ratio of interest to principal over the course of a year, usually expressed as a percentage. It is a central indicator of the return on a deposit or the cost of a loan, and is widely used in banking, lending and investment. The annual interest rate can be divided into fixed and floating rates, which directly affects the final interest expense or income.

Functionality

1. Multi-scenario calculation： Support deposit interest, loan repayment, instalment and other scenarios of annual interest rate calculation.
2. Flexible input： The APR can be reversed according to the principal, term, interest or repayment amount.
3. Interest Calculation Methods： Compatible with simple interest, compound interest (daily/monthly/yearly) and other calculation modes.
4. Visualisation of results： Generate detailed repayment schedules or interest comparison charts for easy analysis.

How to use

1. Select the type of calculation (deposit or loan). 2.
2. Enter the principal amount, term (year/month/day) and known interest rate or target repayment amount.
3. Click the "Calculate" button to get the annual interest rate, total interest and repayment details. Note： The actual interest rate may be affected by fees, default charges and other factors, the calculation results are for reference only. It is recommended to confirm the final terms with the financial institution. This tool is suitable for personal finance, corporate finance or financial education purposes, no registration is required to use free of charge, the data is processed locally to ensure privacy and security.