Ako vypočítať Effective Annual Rate
Čo je 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.
Sprievodca krok za krokom
- 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
Worked Examples
Vstup
12% nominal, monthly compounding
Výsledok
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Vstup
12% nominal, daily compounding
Výsledok
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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