APY ↔ APR calculator
Convert between effective annual yield (APY) and nominal annual rate (APR) for a chosen compounding frequency.
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Quick answer
APY = (1 + APR ÷ n)^n − 1. APR = n × ((1 + APY)^(1 ÷ n) − 1). Example: 5% APR compounded monthly ≈ 5.12% APY. Math runs locally — not financial advice.
Not financial or tax advice. Figures are mathematical illustrations only. Real products add fees, taxes, and terms that change the result — confirm with your bank, CA, or official notice. Numbers are not uploaded to our servers for processing.
APY
5.12%
Frequently asked questions
What is APY vs APR?
APR is the nominal annual rate before compounding effects. APY (or EAR) is the effective yearly yield after compounding. Same product can list both.
How do you convert APY to APR?
APR = n × ((1 + APY)^(1 ÷ n) − 1), where n is compounds per year (12 monthly, 365 daily). Reverse: APY = (1 + APR ÷ n)^n − 1.
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