APY Calculator

Compare nominal interest with effective annual yield for common compounding schedules.

Nominal annual rate (%)

Compounding

Example balance

—APY / effective annual yield

—One-year interest

—Balance after one year

—APY minus nominal rate

How to use this APY Calculator

Calculate annual percentage yield from a nominal annual rate and compounding frequency. Enter your values above and the result is calculated directly in your browser. No account is required.

Fast answer, clear inputs

This tool is built around one job: give the answer quickly without forcing a signup or hiding the result. Related tools are linked nearby when the next calculation or conversion is useful.