APY vs APR Calculator

See how compounding frequency turns the same nominal rate into different effective yields. Compare daily, weekly, monthly, quarterly, semi-annual, and annual compounding side by side with an interactive horizontal bar chart.

About APY and APR

APY (Annual Percentage Yield) is the effective annual return accounting for compounding. APR (Annual Percentage Rate) is the nominal rate without compounding. The more frequently interest compounds, the higher the effective yield.

APY and APR conversion for 6 compounding frequencies
Horizontal bar chart comparing final balances
Adjustable nominal rate, principal, and time horizon
Detailed comparison table with color-coded frequencies
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