Cara Menghitung Effective Annual Rate
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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.
Panduan Langkah demi Langkah
- 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
Contoh Terpecahkan
Masukan
12% nominal, monthly compounding
Hasil
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Masukan
12% nominal, daily compounding
Hasil
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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