명목 이자율과 복리 빈도를 입력하면 실제 연간 수익률(APY)을 계산합니다. 100% 무료.
이 도구는 명목 이자율과 복리 빈도를 입력하면 실제 연간 수익률(APY)을 계산합니다. 100% 무료.
APY (Annual Percentage Yield) is the actual annual return you earn, accounting for compounding. APR (Annual Percentage Rate) is the nominal rate before compounding. For example, 5% APR compounded monthly yields approximately 5.12% APY. The more frequent the compounding, the higher the APY compared to the APR.
The standard APY formula is: APY = (1 + r/n)^n - 1, where r is the annual rate (APR) and n is the number of compounding periods per year. For continuous compounding, the formula is APY = e^r - 1, where e is Euler's number (~2.71828).
Compounding frequency determines how often interest is added to your principal. More frequent compounding means interest earns interest more often, resulting in a higher effective yield. Daily compounding yields more than monthly, which yields more than annual compounding.
Yes! Use the reverse calculator section. The formula is APR = n × ((1 + APY)^(1/n) - 1), where n is the compounding frequency. This is useful when comparing bank accounts that quote APY to find the underlying APR.