United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies.
Input Parameters
Results
APY by Compounding Frequency
- daily$5.13 (20%)
- monthly$5.12 (20%)
- quarterly$5.09 (20%)
- semiannually$5.06 (20%)
- annually$5 (20%)
Choose a chart point to read its values.
View chart data table
APR vs APY
- APR$5 (49%)
- APY$5.12 (51%)
Disclaimer: This calculator provides estimates for informational purposes only. Results are based on the inputs provided and standard financial formulas. Consult a qualified financial advisor before making financial decisions.
About This Calculator
The APY Calculator convert APR to APY and compare savings account rates. It's built for anyone working with banking & savings who wants fast, accurate numbers without building a spreadsheet.
Sources & Model Limits
United States · USD. This page uses a shared calculation model and may include US-specific assumptions. Selecting a country changes formatting, not local tax, eligibility or contribution rules. Amounts are not converted between currencies. Read our methods and correction policy.
How It Works
Enter your apr (%), and the calculator instantly computes your annual percentage yield (apy), apr, apy - apr difference. For example, with APR (%): 5%, the annual percentage yield (apy) comes out to 5.1162%.
Key Benefits
- 1See your annual percentage yield (apy) update instantly as you adjust any input
- 2Compare different scenarios side by side before making a decision
- 3Visualize the breakdown with a chart instead of raw numbers alone
- 4Export your results as a PDF report or CSV file for your records
Practical Tips
- →Compare APY, not just interest rate, across savings products
- →Automate contributions so saving happens before you can spend the money
- →Watch for fees that can quietly erode your returns
- →Keep emergency savings liquid even if it earns a lower rate