Effective Annual Rate Nasıl Hesaplanır?
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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.
Adım Adım Kılavuz
- 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
Çözümlü Örnekler
Giriş
12% nominal, monthly compounding
Sonuç
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Giriş
12% nominal, daily compounding
Sonuç
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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