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APR to APY Calculator
Convert a nominal annual interest rate to an effective yield using the compounding frequency, or convert in reverse.
- APY, %
- 6.167781
How the calculation works
APY = (1 + APR/m)^m − 1; APR = m × ((1+APY)^(1/m) − 1).
Inputs
- Annual interest rate, %
- Compounding periods per year
- Conversion
Calculation details
This is a mathematical compounding conversion. A regulatory loan APR may include fees and requires cash-flow analysis.
Enter the annual rate as a percentage and the compounding frequency as periods per year.
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Updated: 2026-10-02