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APR (annual percentage rate) and APY (annual percentage yield) differ because APY accounts for compounding. APY is always higher and shows the true return on savings or cost of credit.
الصيغة
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
دليل خطوة بخطوة
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
أمثلة محلولة
الإدخال
APR = 5%, daily compounding
النتيجة
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
أخطاء شائعة يجب تجنبها
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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