MARZ.tools

APY Calculator

Calculate compounded annual yield from a periodic interest rate.

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About this tool

Enter a periodic interest rate and compounding frequency to calculate the effective Annual Percentage Yield (APY), and project final balance over time.

How to use

  1. Enter the periodic rate (e.g., daily or weekly) and compounding frequency.
  2. View the resulting effective APY.
  3. Enter a principal and duration to see the projected balance.

FAQ

APY vs. APR — what's the difference?

APR is the simple annualized rate without compounding; APY accounts for compounding, so APY is always equal to or higher than APR for the same nominal rate.

How is APY calculated from a periodic rate?

APY = (1 + r/n)^n − 1, where r is the nominal annual rate and n is the number of compounding periods per year.

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