APY Calculator
Convert a nominal rate (APR) into the effective annual yield (APY) for a compounding frequency.
Your details
APY (effective rate)
5.12%
- Nominal rate
- 5.00%
APY (effective rate)5.12%
Formula
APY = (1 + nominal ÷ n)^n − 1, where n is the number of compounding periods per year.
Sources & methodology
- •U.S. SEC — compound interest — SEC
Last updated: 2026-07-20
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