Interest Rate Calculator

Calculate the interest rate given principal, payment, and term for any financial instrument.

Free • Accurate • Instant Results

Interest Rate Finder Inputs

Loan/Deposit Amount

Total Repaid/Received

Term

Years

Implied Annual Rate

📊

4.56%

Total Interest

💰

$5,000

Principal

🏦

$20,000

Total Repaid

💵

$25,000

🤖

AI Insights

Personalized analysis based on your inputs

💡

Rate Calculation

This finds the compound annual rate implied by your principal, total repayment, and 5-year term — useful for comparing loan offers stated differently.

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Formula Used

Implied Interest Rate

r = (Total/Principal)^(1/years) − 1

Variables

Total= Total amount repaid or received

Example

$20,000 growing to $25,000 over 5 years implies a 4.56% annual rate

Frequently Asked Questions

Useful when a lender states total repayment rather than a rate, or to verify the actual rate on a loan with fees baked into payments.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates based on inputs you provide. They are not financial, tax, investment, or legal advice. Consult a qualified financial professional before making financial decisions. Actual results may vary based on market conditions, tax laws, and individual circumstances.