Kalkulatè APR
Konvèti yon APR nominal nan retounen ane efektivman (APY) pou nenpòt ki compounding.
Rezilta yo mete ajou pandan w ap ekri.
Atik sa a
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Kesyon ki poze souvan
Ki sa ki se APR a APY fòmil?
APY = (1 + APR ÷ n)^n − 1, kote n se kantite peryòd konpoze pa ane. Pou 5% APR konpoze chak mwa, APY = (1 + 0.05 ÷ 12)^12 − 1 ≈ 5.116%.
Poukisa APY se toujou pi wo pase APR?
Se poutèt sa, compounding pèmèt enterè pi bonè yo jwenn enterè li yo pandan ane a. Pi souvan li compounds, pi gwo se diferans lan - menm si pi wo a compounding chak jou, benefis ekstra a vin neglijab.
Èske APY a se menm bagay ak pousantaj aneval efèktif la?
Wi, APY ak pousantaj aneval efèktif (EAR oswa EFF) se menm kantite lajan ki kalkile nan menm fason an — retou aneval reyèl apre konpoze. "APY" se tèm ki itilize pou depo, pandan ke "EAR" se pi komen pou kredi, men fòmil la se menm.
Èske mwen ta dwe konpare kont depo selon DAB oswa APY?
Konpare pa APY. Li deja folds nan frekans compounding, se konsa li reflete sa ou reyèlman resevwa nan yon ane. De kont ak menm APR men composing diferan gen APYs diferan, ak pi wo a APY se pi bon an.
Èske plis konpoze souvan toujou vle di plis lajan?
Li ede, men ak retou diminisyon. Ki soti nan ane a mwatye-compound ajoute yon kantite lajan remake, men soti nan jounen an pou kontinyèl composing diferans lan se fraksyon nan yon pousan. Gen yon plafon matematik (compound kontinyèl) ke APY apwòch men pa janm depase.
Ki jan pou m konvèti yon APY tounen nan yon APR?
Re- òganize fòmil la: APR = n × ((1 + APY) ^(1 ÷ n) − 1), kote n se frekans konpoze. Sa a se itil lè yon pousantaj se reklame kòm yon APY men ou bezwen pousantaj peryòd nominal pou yon calcul.
API — itilize sa a calculateur soti nan kòd
Apèl sa a calculateur kòm yon gratis JSON pwent-de-fini - pa gen okenn kle ki nesesè. Envoye valè jaden anba a kòm paramèt kesyonè oswa JSON. Li dokiman API a an antye →
Endpoint
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);Rezilta yo se estimasyon pou kòmandman jeneral sèlman, pa finansye, medikal oswa konsèy taks.