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APR Spread Calculator uses the actuarial method of calculating annual percentage rates for mortgage loans as explained in Appendix J of 12 CFR Ch. II, Pt. 226, the portion of the United States Code of Federal Regulations known as Regulation Z (see screen shot). In addition to the basic APR calculation, APR Spread Calculator also provides a spreadsheetlike grid of APRs by loan amounts and fixed fee amounts. The loan amount and fixed fee amount axes are spread: incrementally based upon user-modifiable ranges. The APR Spread Calculator is fully functional with reminders of the $19.95 registration.
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