কীভাবে Effective Annual Rate গণনা করবেন
Effective Annual Rate কি?
Effective Annual Rate (EAR), also called Annual Equivalent Rate (AER), is the actual annual interest rate accounting for compounding within the year. It allows comparison of loans or investments with different compounding frequencies.
ধাপে ধাপে নির্দেশিকা
- 1EAR = (1 + r/n)^n − 1
- 2r = nominal (stated) annual rate, n = compounding periods per year
- 3Daily compounding always gives a higher EAR than monthly, which is higher than annual
- 4APY (Annual Percentage Yield) on savings accounts IS the EAR
সমাধান করা উদাহরণ
ইনপুট
12% nominal, monthly compounding
ফলাফল
EAR = 12.68%
(1 + 0.12/12)^12 − 1
ইনপুট
12% nominal, daily compounding
ফলাফল
EAR = 12.75%
(1 + 0.12/365)^365 − 1
গণনা করতে প্রস্তুত? বিনামূল্যে Effective Annual Rate ক্যালকুলেটর চেষ্টা করুন
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