APR kuti APY Calculator

Kusintha APR wotchedwa m'mawu m'mawu mwamphamvu chaka chatha (APY) kwa aliyense compounding.

%
Mtengo wa ndalama (APY)
Mtengo pa nthawi
Mtengo wa chaka pa 10,000

Zithunzizi zimasintha monga momwe mumalemba.

Kodi izi calculator anakupatsani yankho labwino?

Zachidule

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Mafunso ofunsidwa nthawi zambiri

Kodi ndi chiyani APR kuti APY formula?

APY = (1 + APR ÷ n) ^ n - 1, kumene n ndi mnda wa nthawi yowonjezera chaka chilichonse. Kwa 5% APR yowonjezera mwezi uliwonse, APY = (1 + 0.05 ÷ 12) ^ 12 - 1 ≈ 5.116%.

N’chifukwa chiyani APY nthawi zonse ndi yotsika mtengo kuposa APR?

Chifukwa cha compounding amalola zolinga zakale kulandira ndalama zake zofunikira panthawi ya chaka. Nthawi zambiri imapanga, ndi yochuluka kwambiri - ngakhale kuti pamwamba pa tsiku la tsiku lowonjezera ndalama zimatha kuwonjezeka.

Kodi APY ndi yofanana ndi mtengo wa chaka chatha?

APY ndi mitengo yogwira ntchito ya chaka (EAR kapena EFF) ndi mitengo yofanana yowerengedwa mofanana - mitengo yogwira ntchito ya chaka chabe pambuyo pa kuphatikizidwa. "APY" ndi mawu ogwiritsira ntchito posunga ndalama, pomwe "EAR" ndi mawu ogwiritsira ntchito polipira ndalama, koma formula ndi yofanana.

Kodi ndiyenera kuyerekezera akaunti zosungitsa ndalama ndi APR kapena APY?

Kuyerekeza ndi APY. Iye kale amadula mu compounding nthawi zambiri, kotero kuti amasonyeza zimene inu mwamsanga kulandira mu chaka. Maakaunti awiri ndi APR chimodzimodzi koma zosiyanasiyana compounding ali APYs zosiyana, ndi APY pamwamba ndi bwino bizinesi.

Kodi kuwonjezera nthawi zambiri nthawi zonse kumatanthauza ndalama zambiri?

Kuchokera chaka kupita mwezi, kuwonjezera ndalama zosawerengeka, koma kuchokera tsiku ndi tsiku kupita kunthawi yayitali, kuwonjezera ndalama zosawerengeka. Pali malire a matekinoloje (kupitilizabe kuwonjezera ndalama) omwe APY amakumana nawo koma sapita patsogolo.

Kodi ndingasinthire bwanji APY kuti ndikhale APR?

Rearrange formula: APR = n × ((1 + APY) ^ (1 ÷ n) - 1), kumene n ndi compounding nthawi zambiri. Izi ndi zothandiza pamene mtengo ndi kuonedwa ngati APY koma muyenera nominal periodic mtengo kwa kafukufuku.

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API — kugwiritsa ntchito izi calculator kuchokera code

Kulemba izi calculator monga ufulu JSON endpoint - palibe chida zofunika. Kutumiza nyanja mfundo pansipa monga mafunso zigawo kapena JSON. Chomweko chilichonse chimene mumasiya chimagwiritsa ntchito mfundo yoyamba yomweyi yomwe tsambali limagwiritsa ntchito; mfundo yosadziwika ndi 400, siyiyenera kukhala zero yosadziwika. Onani zonse API docs →

Chithunzi

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);

Zimenezi ndi zowerengera zokhudzana ndi malangizo amtundu uliwonse, si zokhudzana ndi ndalama, zamoyo kapena zokhudzana ndi ndalama.