Kuinka laskea Effective Annual Rate
Mikä on Effective Annual Rate?
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.
Vaiheittainen opas
- 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
Ratkaistut esimerkit
Syöte
12% nominal, monthly compounding
Tulos
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Syöte
12% nominal, daily compounding
Tulos
EAR = 12.75%
(1 + 0.12/365)^365 − 1
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