APR to APY Converter Nasıl Hesaplanır?
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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.
Formül
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Adım Adım Kılavuz
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Çözümlü Örnekler
Giriş
APR = 5%, daily compounding
Sonuç
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Kaçınılması Gereken Yaygın Hatalar
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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