Effective Annual Rate ஐ எப்படி கணக்கிடுவது

Effective Annual Rate என்றால் என்ன?

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.

படிப்படியான வழிகாட்டி

1. 1EAR = (1 + r/n)^n − 1
2. 2r = nominal (stated) annual rate, n = compounding periods per year
3. 3Daily compounding always gives a higher EAR than monthly, which is higher than annual
4. 4APY (Annual Percentage Yield) on savings accounts IS the EAR

தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்