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Interest Rate Calculator — Find the Rate You Were Charged

Calculate the effective interest rate from a starting principal and final amount. Supports compound and simple interest across any time period.

✓ Formula verified: January 2026For informational purposes only

Interest Rate Calculator

Results below

Enter Values

$
$
Nominal Annual Rate (compounded monthly)
7.4543%

Effective Annual Rate (EAR)

7.7144%

Rate per Period (0.08333333333333333 year)

0.6212%

Total Interest / Growth ($)

$4,500.00

Total Return on Principal

+45.0000%

Formula Applied

r = n × [(A/P)^(1/nt) − 1]

What if your starting principal (p) changes? $9000 → 9.5765% · $10000 → 7.4543% · $11000 → 5.5378%

Scenario Comparison

Conservative (5%)
$12,833.59
$2,833.59 interest
Your scenario (7%)
$14,176.25
$4,176.25 interest
Aggressive (10%)
$16,453.09
$6,453.09 interest
High-risk (14%)
$20,056.10
$10,056.10 interest
Best return
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Rate Analysis
Nominal Annual Rate7.4543%
Effective Annual Rate (EAR)7.7144%
Compounding Bonus+0.2601%

EAR accounts for compounding — it is the true annual rate

Total Interest

$4,500

Total Growth

45.00%

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Nominal Annual Rate (compounded monthly): 7.4543%

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