APR għal APY Kalkulatur
Ikkonverti APR nominali fir-rendiment annwali effettiv (APY) għal kwalunkwe kompożizzjoni.
Riżultati aġġornament kif inti tip.
Dwar din il-kalkulatur
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Mistoqsijiet li jsiru ta' spiss
X’inhi l-formula tal-APR għal APY?
APY = (1 + APR ÷ n)^n − 1, fejn n huwa n-numru ta' perjodi ta' kompożizzjoni fis-sena. Għal 5% APR komposti kull xahar, APY = (1 + 0.05 ÷ 12)^12 − 1 ≈ 5.116%.
Għaliex APY huwa dejjem ogħla minn APR?
Minħabba li l-kompożizzjoni tħalli l-imgħax ta' qabel jaqilgħu l-imgħax tiegħu stess matul is-sena.Iktar ma jkun spiss li jikkomponu, akbar tkun id-diskrepanza - għalkemm fuq il-kompożizzjoni kuljum il-qligħ żejjed isir negliġibbli.
L-APY hija l-istess bħar-rata annwali effettiva?
L-APY u r-rata annwali effettiva (EAR jew EFF) huma l-istess numru kkalkulat bl-istess mod — ir-redditu annwali veru wara l-kompożizzjoni. "APY" huwa t-terminu użat għad-depożiti, filwaqt li "EAR" huwa aktar komuni għas-self, iżda l-formula hija identika.
Għandi nqabbel il-kontijiet tat-tfaddil skont l-APR jew l-APY?
Tqabbel bl-APY. Huwa diġà tiwi fil-frekwenza kompost, sabiex jirrifletti dak li attwalment taqla fis-sena. Żewġ kontijiet bl-istess APR iżda kompost differenti jkollhom APYs differenti, u l-APY ogħla hija l-aħjar negozju.
Kompożizzjoni aktar frekwenti dejjem tfisser aktar flus?
Dan jgħin, iżda b'rendiment li qed jonqos. Meta wieħed imur minn kompożizzjoni annwali għal kompożizzjoni ta' kull xahar, dan iżid ammont notevoli, iżda minn kompożizzjoni kontinwa ta' kuljum id-differenza hija frazzjonijiet ta' perċentwali. Hemm limitu matematiku (kompożizzjoni kontinwa) li l-APY joqrob lejh iżda qatt ma jaqbeż.
Kif nikkonverti APY lura għal APR?
Ibdel il-formula: APR = n × ((1 + APY)^(1 ÷ n) − 1), fejn n hija l-frekwenza tal-kompożizzjoni.Dan huwa utli meta rata tiġi rreklamata bħala APY iżda inti teħtieġ ir-rata perjodika nominali għal kalkolu.
API — uża din il-kalkulatur mill-kodiċi
Sejjaħ dan il-kalkulatur bħala punt aħħari JSON b'xejn — l-ebda ċavetta meħtieġa Ibgħat il-valuri tal-qasam hawn taħt bħala parametri tal-mistoqsija jew JSON. Aqra d-dokumenti sħaħ tal-API →
Punt aħħari
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);Ir-riżultati huma stimi għal gwida ġenerali biss, mhux parir finanzjarju, mediku jew tat-taxxa.