APY Calculator (APR ↔ APY)

What annual percentage yield does this rate and compounding give — or what APR matches an APY?

Single calculationv1.0.0Verified 2026-11-01Runs in your browser

Spec sheet

ear · v1.0.0

Method

Effective annual rate

01APY = (1 + APR/n)^n − 1
02APR = n · ((1 + APY)^(1/n) − 1)
03Continuous: APY = e^APR − 1

Limits — read before relying on it

Fees are not included; APY as defined for deposit accounts.

Sources

Truth in Savings (Reg DD) APY definitionstandard

Worked example

computed by the same formula

5 % APR compounded monthly

Inputs

Convert: APR → APY
Rate: 5 %
Compounding: Monthly

Result

Result: 5.1162 %
Result is: APY

Questions

How is the apy calculator calculated?

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Effective annual rate. APY = (1 + APR/n)^n − 1 · APR = n · ((1 + APY)^(1/n) − 1) · Continuous: APY = e^APR − 1

Example: 5 % APR compounded monthly?

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Result: 5.1162 %; result is: APY.

What does this calculator not cover?

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Fees are not included; APY as defined for deposit accounts.

Where do the numbers come from?

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Sources: Truth in Savings (Reg DD) APY definition. The formula is versioned (ear v1.0.0) and covered by automated tests.

Is my data stored?

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No. The calculation runs in your browser and nothing is sent unless you choose to save a shareable link.

Also searched asapy calculator · apr to apy · effective annual rate · annual percentage yield · apy vs apr

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