Methods and data

APR Calculator needs two things to calculate: a compute method and data items.

Calculation method

To set the compute method, change the Method popup to the desired method.

You can change the default method for new documents in Settings.

Data items

Data items contain a date, an amount and an optional comment.

You can change how item dates are displayed in Settings.

	To add data items manually, click the Add button or select Add from the File menu or import them from a tab separated text file. On macOS 13 or later, you can right-click on a table row to add an item with the same date as the right-clicked item.
	To import data items from a file or to import example data, click the Import button or select Import from the File menu.

For more info on the different ways to add data items, click here.

Results

If the data are OK, the application automatically determines the unit periods and calculates the APR.

Below the APR you’ll find the used unit period and the effective annual percentage rate.

For each data item, the table will display the fractions in unit periods and days as defined by the method, the item NPV and the total NPV using the solved APR.

NPV is the abbreviation for the net present value, which is used to equalize the cash flow and determine the APR.

The status bar will display the number of items in the table, the financed amount, the payment/cost total and the finance charge. It may also provide a warning if the cash flow has zero or more than one sign changes.

Errors

When there is a problem with the data, the application will display an error message with a suggestion on how to resolve the problem.

Depending on the problem, the APR used to display item NPV and total NPV is either 0 %, 100 % or the last value that the iteration found. Usually the total NPV for the last item will not be zero when the APR could not be solved.

For an overview of error messages, click here.

Editing and deleting data items

	To edit a selected data item: Click the Edit button or select Edit Item from the Edit menu. On macOS 13 or later, you can double-click an item to open the Edit Item view.
	To delete one or more selected data items: Click the Delete button or select Delete Item from the Edit menu. On macOS 13 or later, you can also right-click the selected items to delete them.

Exporting results and data items

To export results and items: click the Export button or select Export from the File menu to open the Export sheet.

In the Export sheet you can:

• select whether you want to export to a tab delimited text file or in Portable Document Format.
• add a Page Title: by default this will be the document name.

• choose whether to include the details columns for Fraction details, Item NPV end Total NPV.
• choose the file extension
• set the date format, either your current date format or the required format for re-importing the data items

Export as PDF lets you:

• set the page format, in case you want to print the PDF document
• resize the page to allow printing at 100 %
• add a larger margin on the long size
• add metadata for title, author, subject and keywords

Settings

In Settings you can select the default calculation method for new documents and the date format for the items table.

Related topics

Calculation methods
Adding data items