Calculadora de APR a APY
Converte unha APR nominal no rendemento anual efectivo (APY) para calquera composición.
Os resultados actualízanse mentres escribe.
Acerca desta calculadora
you have a savings account, you can use this calculator to calculate the APR for your loan. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year. The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest compounds during the year.The APR is the rate you earn once interest
Preguntas frecuentes
Cal é a fórmula de APR a APY?
APY = (1 + APR ÷ n) ^n - 1, onde n é o número de períodos compostos por ano. Para un 5% APR composto mensualmente, APY = (1 + 0. 05 ÷ 12) ^12 - 1 ≈ 5. 116%.
Por que é APY sempre maior que APR?
Porque a composición permite que os xuros anteriores gañen os seus propios xuros durante o ano. Canto máis frecuentemente se compón, maior é a diferenza - aínda que por riba da composición diaria a ganancia extra se fai neglixible.
É o APY o mesmo que a taxa anual efectiva?
Si. A APY e a taxa anual efectiva (EAR ou EFF) son o mesmo número calculado do mesmo xeito, o verdadeiro retorno anual despois da composición. "APY" é o termo empregado para depósitos, mentres que "EAR" é máis común para préstamos, pero a fórmula é idéntica.
Debo comparar as contas de aforro por APR ou APY?
Comparar pola APY. Xa se dobra na frecuencia de composición, polo que reflicte o que realmente gaña nun ano. Dúas contas coa mesma APR pero con composición diferente teñen APY diferentes, e canto maior sexa a APY mellor é o acordo.
A composición máis frecuente significa sempre máis cartos?
Axuda, pero con retornos decrecentes. Ir da composición anual á mensual engade unha cantidade perceptible, pero da composición diaria á continua a diferenza é fraccións dunha porcentaxe. Hai un teito matemático (composición continua) que APY se aproxima pero nunca excede.
Como podo converter un APY de novo nun APR?
Reordene a fórmula: APR = n × ((1 + APY) ^( 1 ÷ n) - 1), onde n é a frecuencia composta. Isto é útil cando unha taxa é anunciada como APY pero precisa a taxa periódica nominal para un cálculo.
API — empregar esta calculadora desde o código
Chama esta calculadora como un punto final JSON libre - non se require ningunha chave. Envie os valores dos campos de baixo como parámetros de consulta ou JSON. Ler a documentación completa da API →
Punto final
GET https://calculator.free/api/v1/apr-to-apy/curl
curl "https://calculator.free/api/v1/apr-to-apy/?apr=5&freq=12"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/apr-to-apy/?" + new URLSearchParams({
"apr": "5",
"freq": "12"
}));
const data = await r.json();
console.log(data.results);Os resultados son estimacións só para orientación xeral, non para consellos financeiros, médicos ou fiscais.