APR to APY Calculator
Kushandura a nominal APR muchokwadi gore yist (APY) yese compounding.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
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Zvimwe zvinobvunzwa zvakanyanya
Chii chinonzi APR to APY formula?
APY = (1 + APR ÷ n) ^ n - 1, uko n ndeimwe yezviuru zvinodarika nguva pagore.For 5% APR zvakabatanidzwa pamwedzi, APY = (1 + 0.05 ÷ 12) ^ 12 - 1 ≈ 5.116%.
Nei APY inowanzoita kupfuura APR?
Nekudaro, sezvo compounding inokupa iwe mari yapfuura, iwe unowana mari yako pachako mumwedzi mishoma. The more often it compounds, the bigger the gap — although above daily compounding the extra gain becomes negligible.
APY imwechete neEffective Annual Rate?
APY neEFF (Effective Annual Rate) imwecheteyo, uye inofungidzirwa nenzira imwecheteyo—ichokwadi chekudzoka kwegore mushure mekuzviisa pamwe chete. “APY” ndiyo inonzi mari inochengetwa muhomwe, asi “EAR” inowanzoshandiswa kune mari inopihwa, asi formula imwecheteyo.
Ndinofanira kuongorora zvikwereti zvemabhangi ne APR kana APY?
Kuenzanisa ne APY. It already folds in the compounding frequency, so it reflects what you actually earn in a year. Two accounts with the same APR but different compounding have different APYs, and the higher APY is the better deal.
Iva nechokwadi chekuti kuumbwa kwezvigadzirwa zvinowedzera zvinoreva kuti zvichawedzera mari?
Kubva pagore kuenda pamwedzi kusanganisira zvinowedzera mari yakakosha, asi kubva pazuva nezuva kuenda pakuenderera mberi kusanganisira, kusiyana kuri muzvikamu zvemazana. Kune chigaro chematematika (kuenderera mberi kusanganisira) kuti APY inosvika asi haisi kusvikira.
Ndinogona sei kushandura APY back to an APR?
Rearrange the formula: APR = n × ((1 + APY) ^ (1 ÷ n) - 1), uko n ndiro compounding frequency. This is useful when a rate is advertised as an APY but you need the nominal periodic rate for a calculation.
API — kushandisa iyi kalkulator kubva code
Chiva iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo zviwanikwa pasi separameter query kana JSON. Tora yakazara API docs →
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);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.