APY vs APR Calculator

Convert between APR and APY and see what compounding really earns you.

Rate (%):

Convert:

Compounding:

Estimates only — not financial advice.

How to use

Enter a rate, pick the direction and compounding, then click Convert. Everything runs in your browser — nothing is uploaded or stored.

What is the difference?

APR is the nominal rate; APY includes compounding, so it is the true yearly yield.

Which compounding periods?

Monthly, quarterly, semi-annual, daily and continuous.

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