APY Calculator
Convert an APY (Annual Percentage Yield) into its equivalent APR.
Calculate
Enter your values below.
Result
Equivalent APR
0
Formula used
APR = n × ((1 + APY)1/n − 1)
Example: 19.56% APY compounded monthly → APR ≈ 18%.
How to use this calculator
- Enter APY (%), Compounding periods per year.
- Press Calculate to see your result instantly.
FAQ
Frequently asked questions
What is APY?
The Annual Percentage Yield — the real annual return after accounting for compounding, commonly quoted on savings accounts.
Why would I convert APY to APR?
To compare a savings product's real quoted yield against a nominal rate stated elsewhere.
Which is more useful for comparing products?
APY (or effective rate), since it reflects actual compounding and lets you compare fairly.
Is this the reverse of the APR Calculator?
Yes, exactly.