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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.
Wzór
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Przewodnik krok po kroku
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Rozwiązane przykłady
Wejście
APR = 5%, daily compounding
Wynik
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Częste błędy do unikania
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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