Paano Kalkulahin si APR to APY Converter
Ano ang 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.
Pormula
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Step-by-Step na Gabay
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Mga Nalutas na Halimbawa
Input
APR = 5%, daily compounding
Resulta
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Mga Karaniwang Mali na Dapat Iwasan
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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