So berechnen Sie 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.
Formel
APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year
Schritt-für-Schritt-Anleitung
- 1Enter APR as a decimal
- 2Select compounding frequency (daily, monthly, quarterly, annual)
- 3Calculate APY using the formula
Gelöste Beispiele
Eingabe
APR = 5%, daily compounding
Ergebnis
APY ≈ 5.127%
(1 + 0.05/365)³⁶⁵ - 1
Häufige Fehler vermeiden
- ✕Treating APR and APY as equivalent
- ✕Wrong compounding frequency
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