Estimate a non-regulatory annualized borrowing rate from net proceeds and equal monthly cash flows.
The calculator keeps the balance, rate convention, payment timing, fees, and term visible so you can reproduce the result and compare it with an actual offer or statement.
The cash-flow relationship
Place every amount at the correct time
Solve net proceeds = payment·(1−(1+i)^−n)/i for monthly i; nominal annualized rate = 12i and effective annualized rate = (1+i)^12−1.
Visual explanation
What changes the borrowing result
Balance / proceedscash charge or interestTime / limit basisExplicit rate or finance chargeSolve net proceeds = payment·(1−(1+i)^−n)/i for monthly i; nominal annualized rate = 12i and effective annualized rate = (1+i)^12−1.
Read the result in context
Use the estimate with its contract assumptions
Receiving 9,900 from a 10,000 amount after 100 of fees and repaying 900 monthly for 12 months implies a positive annualized cash-flow rate.
This planning estimate is not a statutory, contractual, or lender-disclosed APR. Legal APR rules differ by product and jurisdiction and may classify fees or timing differently.
Quick guide
How to use this calculator
Enter the balances, rates, fees, and timing requested by the visible labels.
Keep monetary entries in one consistent currency.
Review the result together with the declared calculation convention and exclusions.
Calculation method
Calculation method
Solve net proceeds = payment·(1−(1+i)^−n)/i for monthly i; nominal annualized rate = 12i and effective annualized rate = (1+i)^12−1.
Entered fixed decimals are aggregated exactly. Iterative rate solving is bounded to a single nonnegative monthly cash-flow root and fails explicitly if the result is absent, too large, or not reliably representable.
Worked example
Worked example
Receiving 9,900 from a 10,000 amount after 100 of fees and repaying 900 monthly for 12 months implies a positive annualized cash-flow rate.
Solve net proceeds = payment·(1−(1+i)^−n)/i for monthly i; nominal annualized rate = 12i and effective annualized rate = (1+i)^12−1.
Supported inputs
Precision and limits
Visible input limits
Amounts are capped at 1e12, rates at 1000%, monthly periods at 1,200, and fixed decimals at 12 places. List tools accept 1–20 uniquely named rows.
Estimate, not a disclosure
Results model only the entered convention. They do not reproduce a lender statement, credit score, underwriting outcome, or jurisdiction-specific consumer-credit disclosure.
International scope
No currency, country, credit bureau, scoring model, statutory APR rule, fee classification, grace period, or issuer policy is assumed.
Calculator-specific assumptions
This planning estimate is not a statutory, contractual, or lender-disclosed APR. Legal APR rules differ by product and jurisdiction and may classify fees or timing differently.
