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APR Calculator

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What is Periodic Interest Rate?

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The periodic interest rate is the interest rate applied per compounding period (day, month, quarter). It converts the annual rate to the rate used in payment calculations. Monthly rate = Annual rate / 12.

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How to Periodic Interest Rate

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  1. 1Monthly rate = Annual rate / 12
  2. 2Daily rate = Annual rate / 365 (or 360 for some loans)
  3. 3Quarterly rate = Annual rate / 4
  4. 4EAR = (1 + periodic rate)^periods − 1

Worked Examples

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Example 1
Given:6% annual · monthly compounding
परिणाम:Periodic rate = 6% / 12 = 0.5% per month

Annual Rate to Periodic Rate Conversion

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PeriodFormula6% annual example
DailyAPR / 3650.01644%/day
MonthlyAPR / 120.5%/month
QuarterlyAPR / 41.5%/quarter
Semi-annualAPR / 23%/half-year
AnnualAPR / 16%/year
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Pro Tip

Mortgage monthly rate is exactly APR/12. This is why the same APR produces different payments at different frequencies — monthly beats biweekly because of how the periodic rate is applied.

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Did you know?

Credit card companies calculate interest daily using the DPR (Daily Periodic Rate = APR/365). A 20% APR credit card charges 0.0548% per day on the outstanding balance — which compounds to 22.13% EAR.

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Reviewed October 2026
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