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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.
Fórmula
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Guia passo a passo
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Exemplos resolvidos
Entrada
APR = 5%, daily compounding
Resultado
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Erros comuns a evitar
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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