APR calculator from cash flows
Enter every cash flow with its date: money received as positive and repayments or costs as negative.
Sources and adopted values
Calculation schedule
| Date | Amount |
|---|---|
| Fill in the fields above — the result is computed on this page. | |
How do I use this page?
- Fill in the fields in the form above — the result recomputes at once, with no page reload.
- Under the result you will find the interpretation scale, if the calculator has one: it says which range your value fell into.
- The formula we use is shown lower on this page — you can check the arithmetic yourself.
- To compute the same for another game or variant, change it in the select field — prices and pools update automatically.
What this page does not do: The result depends entirely on the entered dates and amounts and is an estimate, not a lender's legally binding disclosure.
Further reading
Theory — what is the APR (RRSO)?
The APR is the interest rate at which the present value of all loan disbursements equals the present value of repayments and mandatory costs. The calculator solves this equation numerically from the cash flows you enter, where a positive amount is money received and a negative one is a repayment or cost. It accounts for the actual number of days between dates, so the calculation mirrors the method used by financial institutions. The APR can exceed the nominal rate, since it reflects mandatory costs and their timing.
Frequently asked questions
What does the apr calculator from cash flows include?
Is this result exact?
Which values should I enter?
Can I use the result to compare scenarios?
See also
Loan payment calculator
Calculate loan payments, interest, fees, total cost and total amount payable.
Loan refinancing calculator
Compare the remaining cost of a current loan with refinancing costs, payment and estimated break-even time.
Cash loan calculator
Calculate a cash-loan payment, interest, commission, fees and total amount payable.