Cum se calculează APR to APY Converter
Ce este APR to APY Converter?
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.
Formulă
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Ghid pas cu pas
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Exemple rezolvate
Intrare
APR = 5%, daily compounding
Rezultat
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Greșeli frecvente de evitat
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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