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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.
公式
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
ステップバイステップガイド
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
解いた例
入力
APR = 5%, daily compounding
結果
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
避けるべきよくある間違い
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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