Interest rate from payment
- Enter loan amount, monthly payment, and term.
- Read the implied APR (fixed, fully amortizing).
- Forward payment: loan calculator; max loan from payment: payment calculator.
Use cases
Sanity-check quotes, see true cost behind a payment, or reverse-engineer ads that only show “$X/month.” Side-by-side offers: loan comparison.
Limits
No fees, insurance, ARM resets, or interest-only periods. Impossible payment/term pairs show as invalid.
Frequently asked questions
What rate is solved?
Implied nominal APR for a fixed payment, fixed term, amortizing loan with monthly compounding.
Vs the loan calculator?
Payment from rate: loan calculator. Rate from payment: this page.
Wrong payment input?
If payment is too low to amortize principal, there is no solution—check contract payment and term.
Fees included?
No fees—solution is from principal, payment, and term only.
Can I share this scenario with someone?
Yes. Copy link below the form keeps your current inputs so you can share the scenario or save it for later.
Auto loans?
Yes for fixed installment math; auto pages add price/tax fields.
How accurate?
Standard amortization math—pennies may differ from lender rounding.