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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.
دليل خطوة بخطوة
- 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
أمثلة محلولة
الإدخال
12% nominal, monthly compounding
النتيجة
EAR = 12.68%
(1 + 0.12/12)^12 − 1
الإدخال
12% nominal, daily compounding
النتيجة
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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