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APR to APY Calculator

Convert a nominal APR into the effective APY for any compounding frequency.

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Open APR to APY Calculator and you get an answer straight away, with no account to create. Its place is under Loans & credit; APY to APR Calculator and APR Calculator answer the questions closest to this one.

How to use it

  1. Open the tool — no signup or install needed.
  2. Enter your input or adjust the available options.
  3. Get your result instantly, then copy or download it.

Frequently asked questions

What does APR to APY Calculator do?

Convert a nominal APR into the effective APY for any compounding frequency.

When would I actually use this?

Before signing: checking whether the instalment fits the budget, comparing two offers at different rates and terms, and seeing what a shorter term really costs each month.

What is the most common mistake?

Comparing monthly instalments instead of total interest. A longer term always looks cheaper each month and costs more overall — the two figures move in opposite directions.

How is APR to APY Calculator different from APY to APR Calculator?

They sit next to each other but answer different questions: APY to APR Calculator is the one to open when you need it to convert an effective APY back into the nominal APR for any compounding frequency. Pick whichever matches what you're starting from — both are free.

Is there a tool for the next step?

APR Calculator is the closest one after this: Compute the true APR of a loan including fees, plus the monthly payment and total cost.

What else is worth having open alongside it?

Yield farming APY calculator and APY calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from?

The amortisation arithmetic is standard and exact; the rate is yours to supply. Lenders add fees, insurance and sometimes a different compounding convention, so treat the result as the loan's own cost, not the offer's APR.

Further reading

All guides →
ComparisonWhat the APR Includes That the Rate Does Not — and Why 6 % Can Beat 7.5 % BackwardsA 6 percent loan with a 3 percent fee and compulsory insurance carries an APR of 10.7 percent and costs $486 more than a 7.5 percent loan with no fees at all. The APR is the figure that catches it.ExplainerThe EMI Formula Explained — and Why a Longer Term Is Mostly a Transfer to the LenderEMI = P·i·(1+i)^n ÷ ((1+i)^n − 1). On $300,000 at 6 percent, doubling the term from 15 to 30 years cuts the payment by 29 percent but multiplies the interest by 2.2 — from $155,683 to $347,515.How-toHow to Pay Off Credit Card Debt: The Minimum Payment Trap in NumbersPaying the minimum on $5,000 at 20 percent takes 40 years and costs $18,500 in interest. A fixed $200 a month clears it in under three years for $1,522. Here is the method.ExplainerThe Two Numbers That Set Your Borrowing CapacityA lender does not decide how much you can borrow. A ratio decides a monthly payment, and an interest rate turns that payment into a principal. On $7,500 of income the two steps give $1,805 and $285,571 — and clearing one $280 debt adds $44,299.ComparisonAPR vs APY: What's the Difference?APR and APY both describe a yearly rate, but only APY includes compounding. Here's what each means and which one actually matters for savings and loans.GuideYield Farming: What an Advertised APY Actually PaysThe number on the farm's front page is a gross figure before every subtraction. Here is a 120 percent APY walked down, one layer at a time, to the 33.6 percent that actually landed — plus why APR and APY are not the same number.