如何计算Effective Annual Rate
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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.
分步指南
- 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
例题解析
输入
12% nominal, monthly compounding
结果
EAR = 12.68%
(1 + 0.12/12)^12 − 1
输入
12% nominal, daily compounding
结果
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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