APY Calculator
AdvancedConvert nominal rates to APY and reverse with compounding frequency.
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Compute APY from a nominal rate using (1 + r/n)^n − 1, or solve for the nominal rate from APY.
How to use this tool
Choose direction, enter the rate, and set compounds per year (e.g. 12 for monthly).
Worked example
A 5% nominal rate compounded monthly yields about 5.116% APY.
How it works
Converts between nominal APR and APY using APY = (1 + r/n)^n − 1, with a reverse mode to solve for nominal rate.
Limitations
Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.
Privacy and file handling
Your data stays on your device and is not uploaded.
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