MWAGUMA Afanya Hesabu

Badili oper NEPR kuwa bidhaa yenye matokeo ya kila mwaka kwa ajili ya upambanuzi wowote.

%
Matokeo (APY) —
Viwango kwa kipindi —
Upendezi wa kila mwaka wa 10,000 —

Matokeo yanakuwa bora zaidi unapochapa.

Je, hesabu hiyo ilikupa jibu linalofaa?

Kuhusu kifaa hiki cha kupigia hesabu

APR (annual percentage rate) is a nominal rate that ignores compounding, while APY (annual percentage yield, also called the effective annual rate) is the rate you actually earn once interest compounds during the year. This calculator converts an APR into its APY for the compounding frequency you pick, so you can compare savings and loan rates on a true like-for-like basis.

The formula is APY = (1 + APR ÷ n)^n − 1, where n is the number of compounding periods in a year. For example, a 5% APR compounded monthly works out to an APY of about 5.116%, because each month’s interest starts earning its own interest. The tool also shows the rate per period (5% ÷ 12 ≈ 0.417% a month) and the yearly interest on a 10,000 balance so the gap is easy to see in currency.

Use it whenever two rates are quoted with different compounding — a savings account advertised at a monthly-compounded APR versus one quoted as an APY, for instance. The more often interest compounds, the higher the APY for the same APR, though beyond daily compounding the extra gain is tiny.

Maswali yaliyoulizwa mara nyingi

Ni nini iliyo kanuni ya APR ya APY?

APY = (1 + APR ÷ n)^n − 1, where n is the number of compounding periods per year. For 5% APR compounded monthly, APY = (1 + 0.05 ÷ 12)^12 − 1 ≈ 5.116%.

Kwa nini APY ni mkuu zaidi sikuzote kuliko APR?

Because compounding lets earlier interest earn its own interest during the year. The more often it compounds, the bigger the gap — although above daily compounding the extra gain becomes negligible.

JE, UNAPENDA kama tu kiwango cha mwaka chenye matokeo?

Idadi ya watu wanaoruhusiwa kurudi kila mwaka (EAR au EFF) ni sawa na ile ya KUKAR ndio njia ya kurudi kila mwaka baada ya kupanuliwa. "APY" ni neno linalotumika kuhifadhi, wakati "EAR" ni la kawaida zaidi kwa mikopo, lakini kanuni hiyo inafanana.

Je, nilinganishe akaunti za akiba na APR au APY?

Kwa hiyo, kulingana na ripoti ya APY, tayari ina mikunjo katika mzunguko wa sauti, inaonyesha kile unachochuma kwa mwaka mmoja.

Je, kuongezeka kwa fedha mara nyingi kunamaanisha pesa nyingi zaidi?

Inasaidia, lakini kwa kupungua kwa mapato. kuanzia mwaka hadi kila mwaka kuongeza kiasi cha umeme kinachoonekana, lakini kuanzia kila siku hadi kuendelea kuongeza tofauti ni visehemu vya asilimia. Kuna dari la hisabati (ukubwa wa hesabu) kwamba APY akaribia lakini hapitii kamwe.

Nitabadilije MTUME mmoja kurudi kwenye M wewe?

Rearrange the formula: APR = n × ((1 + APY)^(1 ÷ n) − 1), where n is the compounding frequency. This is useful when a rate is advertised as an APY but you need the nominal periodic rate for a calculation.

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API bustanini hutumia kifaa hiki cha hesabu kutoka kwenye mfumo wa sheria

Ipigie simu kifaa hiki cha kupigia hesabu kama Junse É not doot toder. Chochote unachoacha kinatumia kiwango kilekile cha mwisho ambacho ukurasa huu haujakamilika; parameta isiyojulikana ni 400, si sufuri kimya kamwe. Soma habari kamili za API docs →

keyboard label

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);

Matokeo ni makadirio ya mwongozo wa ujumla, si wa kifedha, wa kitiba au wa kodi tu.