Free tool
APY Calculator
Convert a nominal interest rate into effective APY at any compounding frequency.
Free to useNo sign-upRuns in your browser
Effective APY
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1-year earnings
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Balance after 1 year
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How the calculation flows
Enter a nominal annual rate and how often it compounds, and the calculator converts it to effective APY plus a projected one-year return on a principal amount. Real yields advertised by platforms can compound differently than assumed here and are not guaranteed.
FAQ
What is the difference between APR and APY?
APR is the simple nominal rate. APY includes the effect of compounding, so it is usually higher than APR for the same nominal rate.
Why does compounding frequency matter?
The more often interest compounds, the more it earns on previously-earned interest, which raises the effective APY.
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