Finance & Irish taxes
Loan fee-adjusted APR estimate Calculator
Estimate the effective annual rate when a loan has an upfront fee. This free loan fee-adjusted apr estimate calculator shows the calculation and its assumptions so you can compare your own figures.
Your results
Estimate the effective annual rate when a loan has an upfront fee.
Calculated outcomes
- Monthly Payment
- €193.33
- Cash Received
- €9,800.00
Assumptions and estimates
- Cash-flow APR estimate for equal end-of-month payments and one fee deducted at drawdown. This is not a statutory APR quote: exact dates, compulsory costs and lender conventions can differ.
- Method: Solve the monthly discounted value of repayments against loan cash received, then annualise.
- Cash-flow estimate, not a statutory APR quotation. Exact payment dates and compulsory costs can differ.
Useful next steps
- Use Compare options to test an alternative side by side.
- Copy, print or download a record of this calculation when you need one.
Reports open your email app addressed to s@s1.ie with the public page address only. Your inputs are never added.
How the loan fee-adjusted apr estimate calculation works
Solve the monthly discounted value of repayments against loan cash received, then annualise.
Cash-flow estimate, not a statutory APR quotation. Exact payment dates and compulsory costs can differ.
Using this calculator
- Enter your own figures in the labelled inputs. Keep the currencies, units and time periods consistent.
- Choose any applicable rate profile, pattern or assumption shown for this tool. Open additional inputs when relevant.
- Review effective annual percent and total borrowing cost, then read the stated assumptions and eligibility conditions before using the result.
Worked example
This is a static example using illustrative inputs, not facts about you or today’s date. The displayed eligibility selections and assumptions apply only to this example.
See example inputs
- Gross loan amount (€)
- 10000
- Nominal annual interest (%)
- 6
- Repayment term (months)
- 60
- Fee deducted from drawdown (€)
- 200
- Effective Annual Percent
- 7.0621%
- Total Borrowing Cost
- €1,799.68