Converta entre Taxa Percentual Anual e Rendimento Percentual Anual com suporte a diferentes frequências de composição
Converter
5.1162%
APY · Monthly compounding
Formula used:
APY = (1 + APR / n)^n − 1
= (1 + 0.0042)^12 − 1
= 0.0512 (5.1162%)
Efeito da frequência de composição
| Frequency | n (periods/year) | Effective APY |
|---|---|---|
| Daily | 365 | 5.1267% |
| Monthly | 12 | 5.1162% |
| Quarterly | 4 | 5.0945% |
| Semi-annually | 2 | 5.0625% |
| Annually | 1 | 5% |
APR vs APY — Diferenças principais
APR (Annual Percentage Rate) is the simple annual interest rate without compounding. It's commonly used for loans and credit cards.
APY (Annual Percentage Yield) accounts for compounding — interest earned on interest. It's used for savings accounts and investments.
The more frequently interest compounds, the higher the effective APY relative to the stated APR. Daily compounding always yields more than monthly or quarterly.