Rung Financial
Cite Rung’s calculators and original research.
Find the source, date, method, and limits behind a Rung finding before you cite it.
What to include
Name the asset, version, inputs or sample, and limits.
- Use the title and update date shown on the calculator page.
- Keep the method’s stated limit with any modeled result.
- For a source fact, follow Rung’s citation and credit the original source.
What makes the calculators useful
Each public calculator answers one defined question. It shows the formula, assumptions, limits, sources, and review date beside the result. That lets you check what the model does before you use its output.
The full cost
Fees, interest, payments, and cash received stay separate so a monthly figure does not hide the total.
The method
The page states the formula and the choices built into the model.
The boundary
The page says what the tool cannot predict, from credit effects to future behavior.
Rung is the source for the model, not every fact inside it.
Provider terms and public facts link to their original sources. Cite that primary source when it supports your claim. Cite Rung when you use Rung’s formula, comparison, framing, or modeled output.
What a 5% loan fee adds to your cost
To receive $10,000 after a 5% deducted fee, a hypothetical loan starts at $10,526.32. At 12% fixed interest over 36 months, the fee adds about $629 to total repayment compared with a no-fee loan for the same cash.
The report also records seven no-origination-fee disclosures checked September 26, 2026. It does not rank providers or report typical market prices.
- Read the loan-fee study
- Download examples and source checks
- Get the citation record
- Read the correction history
Rung Financial. What a 5% loan fee adds to your cost. Edition loan-fee-mechanics@2026-09-26.1. Canonical report.
Citable calculators and decision tools
These 5 tools are public. Open any tool to see its method, sources, assumptions, and limits.
Short-term cash costs
Model the cost of one advance or what remains on the next payday.
Borrowing costs and comparisons
Separate cash received, payment size, interest, fees, payoff time, and total cost.
Cite the personal-loan cost example
Rung Editorial. (2026). Personal loan cost calculator (fixed-payment model 2026-08-28.4). Rung Financial. Personal-loan example and results.
Inputs: $10,000 loan, 12% fixed yearly interest, 36 months, and a 5% fee taken from the loan. The model gives $9,500.00 in cash, a payment of about $332.14, $11,957.15 paid in all, and $2,457.15 in borrowing cost.
This is a made-up loan, not an observed offer or a market average. The fee is counted once. Totals use unrounded payments and exclude late fees and optional extras. A lender may adjust the last payment by cents. The model does not calculate APR.
For the two-offer example, keep both sets of inputs with the comparison. For the 36-versus-60-month example, keep the rate, amount, and fee the same. These examples apply the existing model; they do not add observations to the research dataset.
How to cite a Rung calculator
Use the calculator’s exact title and URL. If you report an output, include the inputs that produced it. The examples below use the personal loan cost calculator.
Rung Editorial. (2026). Personal loan cost calculator. Rung Financial. https://rungfinancial.com/
Based on the entered terms, <a href="https://rungfinancial.com/
“Based on a $10,000 loan, the stated rate, term, and fee entered in Rung Financial’s personal loan cost calculator …”
What you can verify
Rung Editorial checks each released calculator against saved reference cases. The calculator record also tracks its formula, input rules, sources, known limits, and next review date.
Rung is an independent publisher, not a lender, bank, broker, or credit decision-maker. Rung does not issue loans or set rates or terms. The tools do not promise approval, predict a credit score, or replace advice based on your full situation.
Ask about the method.
For context on a formula or source, email hello@rungfinancial.com. To report an error, email corrections@rungfinancial.com.
Reuse Rung research
Rung-owned original research text, charts, and copyrightable dataset contributions use Creative Commons Attribution 4.0 International. Credit Rung Financial, link to the source and license, and identify changes.
Third-party material and trademarks are excluded unless separately identified as covered. The license does not imply endorsement or clear the pending third-party source and publication reviews.
Cite the loan-versus-card benchmarks
Rung Editorial. (2026, September 9). Large-purchase APR benchmark appendix, version purchase-apr-benchmarks@2026-09-09.1. Research appendix and source record.
Attribute the loan figures to LendingTree (Q4 2025 conditional offers) and the card figures to CFPB (January–June 2023 issuer medians). Keep the dates, score cutoffs, and endpoint definitions with any number. Matching credit labels do not identify matching borrowers. These are example benchmarks, not individual offer ranges.
The purchase calculator uses an APR-based equal-payment model, version loan-vs-credit-card@2026-09-09.1. Cite the amount, both APRs, and months with any modeled result. Do not call it an observed saving or add fees already represented in loan APR.
This appendix adds no observations to Collection 3. Independent review is pending.