What’s on the APR & AER poster
A 6-row table: Measure · Used for · Includes.
Standardised measures exist so products can be compared honestly.
- APR — Borrowing — Interest plus compulsory fees
- Representative APR — Advertising — Only 51% of customers need get it
- AER — Savings — Effect of compounding
- Gross rate — Savings — Before tax, before compounding
- Net rate — Savings — After tax
- Monthly rate — Cards — × 12 is NOT the APR
'Representative' APR means at least 51% of accepted customers receive it. Your actual rate can be much higher.
Questions about the APR & AER poster
- What’s on the APR & AER poster?
- A 6-row table: Measure · Used for · Includes. Standardised measures exist so products can be compared honestly. APR — Borrowing — Interest plus compulsory fees; Representative APR — Advertising — Only 51% of customers need get it; AER — Savings — Effect of compounding; Gross rate — Savings — Before tax, before compounding; Net rate — Savings — After tax; Monthly rate — Cards — × 12 is NOT the APR. 'Representative' APR means at least 51% of accepted customers receive it. Your actual rate can be much higher.
- Who is the APR & AER poster for?
- APR & AER belongs to the Money section rather than to a school year, because money is not something one grade owns. Anyone learning growth can pin it up — a beginner, a student mid-course, or someone revising years later.
- When should you use the APR & AER poster?
- Compare APR against APR, and AER against AER. Never a monthly rate against an annual one. A wall chart earns its place by being glanceable from where the work is happening, so APR & AER belongs on the wall where that money work actually happens, within glancing distance, rather than filed away.
- What other posters go with APR & AER?
- Turning Savings into Income, Compound Interest and Compounding Frequency sit alongside APR & AER in the Money section. Printed together they make a wall rather than a single sheet, which is how a reference set actually gets used.Turning Savings into IncomeCompound InterestCompounding Frequency
- Is the APR & AER poster free to download and print?
- Yes. APR & AER downloads as a free PDF with no account, no email and no watermark, like everything else in the Money section. Print as many copies as you like for a home, a classroom, a library or a tutoring group; reselling the file is the only thing the licence rules out.Read the licence
- What size does the APR & AER poster print at?
- APR & AER is a vector PDF laid out for US Letter, and prints on A4 with Fit to page — the same file, no separate download. Because every mark on it is drawn rather than photographed, it stays sharp enlarged to A3, A2 or A1 at a copy shop. Colour carries emphasis only, so a greyscale print of APR & AER loses nothing.Printing guide
Related posters
Charts that sit alongside APR & AER on the same wall.
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