כיצד לחשב את APR to APY Converter

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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.

נוסחה

APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year

מדריך שלב אחר שלב

1Enter APR as a decimal
2Select compounding frequency (daily, monthly, quarterly, annual)
3Calculate APY using the formula

Worked Examples

קלט

APR = 5%, daily compounding

תוצאה

APY ≈ 5.127%

(1 + 0.05/365)³⁶⁵ - 1

Common Mistakes to Avoid

✕Treating APR and APY as equivalent
✕Wrong compounding frequency

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