Interest rate calculator


The calculation for loans with a fixed annuity
Loan Amount
The amount of the annuity
How much is the monthly annuity
Number of annuities




This is example of how to use the interest rate calculator

This is example of how to use the interest rate calculator

RFM presents the annual discount rate that equates the sum of the present values of all amounts received from the loan relationship with the sum of the present values of all amounts, i.e. instalments and interest or annuities, commissions, protected …), which have been paid with this respect. Discounting is performed in a compound (conformal) method.


With Interest rate calculator you can solve the most simple to the most complex cases.


You will all agree that the price of money is defined by the time and the amount of getting the money and the time and the amount of the paying back money. The same is when being in role of a lender, investor or saver. Performance is subject to time and the amount of borrowing the money and the time and the amount of getting back the money lent.

How to fix the rate for money, which will contain everything?

The method is given by the following equation



Rate for money equation
mnumber of cash flows paid by the lender
jsequence number for the cash flows paid by the lender (draw down)
ajcash flow (drawdown) in period j
ntotal number of cash flows paid by the borrower
ksequence number of the cash flows paid by the borrower (repayment)
bkcash flow (repayment) of period k
tj and tkinterval, expressed in fractions of a year between the date of the first cash flow and the date of cash flow or k.
In the case of a loan, amounts of received loans are on the left side of the equation and the amount of any repayment of principal, interest and costs on the right side. In the case of investments, the amount of the investment is on the left side of the equation and the value of investments and the income thereon on the right.

Calculate Interest Rate

If you have up to 15 data, use this calculation.

(If your browser does not support HTML5 date field, enter the date in the form yyyy-mm-dd)

#DateEnter the date of the event.PaymentsEnter the amount of the loan or investment.RepaymentsEnter the amount of your refund or state investment.DescriptionOptional: Enter a description of the event.
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You can charge the data from CSV files
CSV file format
  • Date
  • Payments – decimal point is point (.)
  • Repayments – decimal point is point (.)
  • Description (optional)

For example 2013-07-01,1000,,Payments
2013-07-24,,1009.23,Repayments

Load CSV file



Date format MM/DD/YYYY
DD.MM.YYYY
DD-MM-YYYY
YYYY-MM-DD

Separator Comma
Semicolon