APR Calculator (estimate)
Indicative APR from payments and fees — simplified model, not an official bank figure.
APR (RPSN)
10,47 %
Net amount
120 000 Kč
Total paid
152 979 Kč
Total cost
32 979 Kč
Simplified APR/RPSN estimate (IRR cash-flow): net amount = loan − fees; level monthly payments. Not an official calculation under the consumer credit act.
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Methodology
Simplified APR/RPSN estimate: net = principal − fees; solve monthly IRR r from net = Σ payment/(1+r)^k; RPSN = (1+r)^12 − 1. Not an official statutory calculation.
Example: Loan 120,000 CZK, 0 fees, 10% annuity payment / 5 years → RPSN near 10%
Methodology
APR includes interest and fees; here estimated iteratively from total payments and principal (simplified model).
Example
Loan 100,000 CZK, 12 payments of 8,900 CZK → APR roughly around 15%.