APY Calculator
Calculate Annual Percentage Yield from APR and compounding frequency
%
Stated interest rate
How often interest is calculated and added
APY (Annual Percentage Yield)
5.12%
Effective annual rate
APR (Stated Rate)
5%
Nominal annual rate
Difference
+0.12%
APY gain from compounding
APY by Compounding Frequency
| Compounding | APY | Difference from APR |
|---|---|---|
| Annually | 5.00% | +0.00% |
| Semi-annually | 5.06% | +0.06% |
| Quarterly | 5.09% | +0.09% |
| Monthly | 5.12% | +0.12% |
| Weekly | 5.12% | +0.12% |
| Daily | 5.13% | +0.13% |
APY Formula
APY = (1 + APR/n)^n - 1
Where n = number of compounding periods per year
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