APY 转 APR 转换器

将 APY 转换回 APR，以了解复利回报背后的名义利率。

Annual Percentage Yield

Compounding frequency

Input APY5.2500%

Difference0.1243%

Nominal APR

5.1257 %

Compounded monthly

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Industry use cases

Personal Savings Planning Savers convert advertised savings account APY into APR to compare true nominal interest rates and select accounts with the best returns.

Credit Card Comparison Consumers convert credit card APY to APR to understand the actual nominal rate and compare debt costs across different card offers.

Investment Return Analysis Portfolio managers convert reported investment APY to APR to assess the underlying nominal yield when evaluating securities and funds.

Business Loan Evaluation Small business owners convert business loan APY offers to APR to accurately compare financing costs and select the most economical option.

Frequently asked questions

What is the difference between APY and APR?

APR is the nominal annual rate without compounding, while APY reflects the actual annual return including the effect of compounding interest. APY is always equal to or higher than APR when compounding occurs more than once a year.

How do you convert APY back to APR?

Use the formula APR = n x ((1 + APY)^(1/n) - 1), where n is the number of compounding periods per year. This reverses the compounding effect to find the underlying nominal rate.

Why would I need to convert APY to APR?

You may need to compare offers quoted in different formats, verify a lender's or bank's disclosed rates, or understand the true nominal rate behind an advertised compounded yield.

Will the converted APR always be lower than the APY?

Yes, as long as compounding occurs more than once per year. The APR will be lower than the APY because compounding adds extra growth on top of the nominal rate.

Does the compounding frequency affect the converted APR?

Yes. A higher compounding frequency, such as daily versus monthly, results in a larger gap between APY and the calculated APR for the same compounded return.

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