Convert between APR (Annual Percentage Rate) and APY (Annual Percentage Yield) for any compounding frequency.
Quick Comparison — $10,000 over 1 year
APR = the nominal rate without compounding APY = the effective rate including compounding effects APY = (1 + APR/n)ⁿ − 1 · APR = n × ((1 + APY)^(1/n) − 1)
💰 Financial Disclaimer: This tool provides general estimates for educational purposes only and does not constitute financial, investment, tax, or legal advice. Results are based on the inputs you provide and simplified assumptions — actual outcomes may differ materially. Past performance is not indicative of future results. Always consult a qualified financial advisor, accountant, or other professional before making financial decisions.