learn.howToCalculate
learn.whatIsHeading
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.
공식
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
단계별 가이드
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
풀어진 예시
입력
APR = 5%, daily compounding
결과
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
피해야 할 일반적인 실수
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
계산할 준비가 되셨나요? 무료 APR to APY Converter 계산기를 사용해 보세요
직접 시도해 보세요 →