如何计算APR to APY Converter
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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.
公式
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
分步指南
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
例题解析
输入
APR = 5%, daily compounding
结果
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
常见错误注意事项
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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