Effective Annual Rateని ఎలా లెక్కించాలి

Effective Annual Rate అంటే ఏమిటి?

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.

దశల వారీ గైడ్

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

పరిష్కరించిన ఉదాహరణలు