APR Calculator: Germany

Work out a loan's APR with its fees included, by the method your country's law prescribes: US Regulation Z, the EU and UK APRC, Canada's formula and more.

Reviewed October 17, 2026 by CentExactRates effective May 28, 20221 sourceCalculated in your browser. Shared links include inputs.

The rules for Germany

What the calculator above works from, read from the datasets listed under Data sources. Where a table gives the basis, “set by law” marks a figure fixed by statute or by the body that charges it, and a typical figure is a market convention the calculator opens on, which you can change.

How the effektiver Jahreszins is calculated
Rule	Value	Basis
Name of the rate	effektiver Jahreszins	Set by law
Method	Annual effective rate (compounded)	Set by law
Stated to	2 decimal places	Set by law
Law	PAngV 2022 § 16 and Anlage	Set by law

Germany: the European formula, stated to two decimals

The effektiver Jahreszins is the Consumer Credit Directive's APRC, set out in § 16 of the Preisangabenverordnung and its annex, so it is an effective yearly rate exactly as in the rest of the EU. Germany differs in two details that can change the figure on a contract. The result is stated to two decimal places, where the directive asks for at least one; on the calculator's opening figures that is 12.80% rather than 12.8%. And § 16(4) leaves certain costs out: notary fees, land registry fees, optional insurance and charges that arise only if the borrower breaks the agreement. Enter only the fees that remain in the fee fields to match a German disclosure.

The annex also fixes assumptions for credit with no set amount or term, such as an overdraft or a card, which this calculator does not need: it works from a fixed loan and fixed instalments.

For how the calculation works, the formula behind it and what it leaves out, see the full guide. For help interpreting a result or comparing it with a quote or statement, read the questions and answers.

Data sources

Dataset	Authority	Effective	Status
German consumer finance conventions	Deutsche Rentenversicherung	28 May 2022	Within its effective period

Every document each dataset was read from, its notes and how the figures were checked are listed in the guide's data sources.

This calculator in other countries

Where the rules change the answer, a place has its own page that runs the calculator on them and cites the official sources they came from.

CentExactCalculator publisher

CentExact publishes the calculation method, worked examples and available data sources. Automated checks cover reference calculations; they do not certify a result for your circumstances or imply approval by a lender or tax authority.

How we build and test our calculators

This calculator is for general information only and is not financial advice. Results are estimates based on the figures you enter and the stated formula; lenders and providers may round or calculate differently. Check any decision with the institution involved or a qualified adviser.