Як розрахувати Effective Annual Rate
Що таке Effective Annual Rate?
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.
Покрокова інструкція
- 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
Розв'язані приклади
Введення
12% nominal, monthly compounding
Результат
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Введення
12% nominal, daily compounding
Результат
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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