Free, independent tools that show the real cost of borrowing — and how we keep it that way.
SimpleAPR exists to answer one question honestly: what does this actually cost?
Most money tools are built to sell you something — a card, a loan, a refinance. SimpleAPR is built to do the opposite: show you the real math, in plain English, for free, so you can make your own call.
We build clear, accurate calculators and short guides that demystify borrowing — starting with credit card interest and mortgages. Every calculator shows its assumptions, and every guide explains the "why," not just the "what."
SimpleAPR is free for everyone, with no paywall and no selling of your data. To keep the lights on, the site may show ads and, in the future, may include clearly-labeled partner links where we could earn a commission. When that happens, it's disclosed — and it never changes which options we show or how we rank them. You can also support the project directly with a small tip.
The numbers here are estimates meant to inform, not personalized advice. We use standard, transparent formulas, and we tell you where real-world figures (your exact rate, taxes, fees) will differ. For decisions that matter, confirm with a licensed professional.
Questions or corrections? Get in touch — we'd genuinely like to hear them.