Cara Menghitung 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.
Rumus
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Panduan Langkah demi Langkah
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Contoh Terpecahkan
Masukan
APR = 5%, daily compounding
Hasil
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Kesalahan Umum yang Harus Dihindari
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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