Kako izračunati Effective Annual Rate
Kaj je 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.
Navodila po korakih
- 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
Worked Examples
Vnos
12% nominal, monthly compounding
Rezultat
EAR = 12.68%
(1 + 0.12/12)^12 − 1
Vnos
12% nominal, daily compounding
Rezultat
EAR = 12.75%
(1 + 0.12/365)^365 − 1
Ste pripravljeni na izračun? Preizkusite brezplačen kalkulator Effective Annual Rate
Poskusite sami →