Cum se calculează Effective Annual Rate
Ce este Effective Annual Rate?
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.
Ghid pas cu pas
- 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
Exemple rezolvate
Intrare
12% nominal, monthly compounding
Rezultat
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Intrare
12% nominal, daily compounding
Rezultat
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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