Effective Annual Rate ಅನ್ನು ಹೇಗೆ ಲೆಕ್ಕ ಹಾಕುವುದು
Effective Annual Rate ಎಂದರೇನು?
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.
ಹಂತ-ಹಂತದ ಮಾರ್ಗದರ್ಶಿ
- 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
Worked Examples
ಇನ್ಪುಟ್
12% nominal, monthly compounding
ಫಲಿತಾಂಶ
EAR = 12.68%
(1 + 0.12/12)^12 − 1
ಇನ್ಪುಟ್
12% nominal, daily compounding
ಫಲಿತಾಂಶ
EAR = 12.75%
(1 + 0.12/365)^365 − 1
ಲೆಕ್ಕಾಚಾರ ಮಾಡಲು ಸಿದ್ಧರಿದ್ದೀರಾ? ಉಚಿತ Effective Annual Rate ಕ್ಯಾಲ್ಕುಲೇಟರ್ ಅನ್ನು ಪ್ರಯತ್ನಿಸಿ
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