APY Calculator

Calculate Annual Percentage Yield for savings and investments.

Investment Details

Annual Interest Rate (%)

The nominal annual interest rate

Compounding Frequency

How often interest is compounded per year

Initial Investment (Optional)

Enter amount to see earnings projection

APY (Annual Percentage Yield) shows the real rate of return on an investment, accounting for compound interest.

Formula: APY = (1 + r/n)^n - 1

Where r = annual rate, n = compounding periods

Annual Percentage Yield (APY)

Effective annual return with compounding

Nominal Rate:

Compounding:

APY Advantage:

Initial Investment:

Interest Earned:

Final Value:

Simple Interest (no compounding):

APY (with compounding):

Extra earnings from compounding:

APY = (1 + r/n)^n - 1

• r = annual interest rate (as decimal)

• n = number of compounding periods per year

Save your calculations and get detailed breakdowns

All calculations run locally in your browser for privacy and speed.

Build v1.0.0.154154 • Aug 14, 2025, 02:49 AM EDT

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