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Tool: 實質年化報酬率APY計算機 — 免費線上計算機 | HomeCalcPro | 列印時間:
實質年化報酬率APY計算機 — 免費線上計算機 | HomeCalcPro
實質年化報酬率APY計算機精準試算，提供行業標準公式與即時測算結果。
Deposit Amount & Stated APR
APY (Annual Percentage Yield) Conversion Formula
Transparent mathematical methodology explained in plain English.
APY = (1 + (APR / n))^n - 1 | Future Value = Principal × (1 + (APR / n))^(n × t)Calculates the real effective annual return earned on deposits when interest compounds n times per year (daily = 365, monthly = 12, quarterly = 4).
Variables Explained:
- APR (Nominal Rate): Stated annual percentage rate before compounding.
- n (Compounding Frequency): Number of compounding periods per year (365 daily, 12 monthly).
- Principal ($): Initial deposit amount invested.
- t (Years): Total duration deposit earns compound interest.
Converting 4.75% APR to APY with Daily Compounding on $25,000 over 2 Years
Calculating effective yield and interest earned.
- Calculate APY: (1 + (0.0475 / 365))^365 - 1 = (1.000130137)^365 - 1 = 4.864% APY.
- Future Value Year 1: $25,000 × (1.04864) = $26,216.00.
- Future Value Year 2: $26,216.00 × (1.04864) = $27,491.13.
- Total Interest Earned: $2,491.13.
常見問題解答 (FAQ): 實質年化報酬率APY計算機
Click any question below to expand quick answers, formulas, and expert tips.
What is the difference between APR and APY?
APR (Annual Percentage Rate) reflects simple annual interest without considering compounding. APY (Annual Percentage Yield) accounts for how frequently interest is compounded, showing the true effective annual return earned.
Why does daily compounding yield more than monthly compounding?
Daily compounding calculates and adds interest to your balance every single day, so tomorrow's interest is calculated on a slightly higher principal than yesterday's.