Financie

Prevodník APR na APY

What is 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.

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Vzorec

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f(x)APY = (1 + APR/n)ⁿ - 1, where n is compounding frequency per year

How to APR to APY Converter

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1Enter APR as a decimal
2Select compounding frequency (daily, monthly, quarterly, annual)
3Calculate APY using the formula

Worked Examples

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Example 1

Given:APR = 5%, daily compounding

Výsledok:APY ≈ 5.127%

(1 + 0.05/365)³⁶⁵ - 1

Common Mistakes to Avoid

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!Treating APR and APY as equivalent
!Wrong compounding frequency

References

›Apr To Apy Calc — Wikipedia

📖Difficulty:Intermediate

Len na informačné účely. Tento nástroj nepredstavuje finančné poradenstvo. Pred investičnými alebo finančnými rozhodnutiami sa poraďte s kvalifikovaným finančným poradcom.

Deep Dive

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Reviewed October 2026