Analyze how different compounding intervals (daily, monthly, quarterly, semi-annually, annually) change effective APY yields for any stated interest rate.
Interest Rate Comparison (APY vs APR)
Compare effective annual yields across different compounding intervals for the same stated nominal rate.
| Compounding Schedule | Frequency | Effective APY | Annual Return on $10,000 |
|---|---|---|---|
| Annually | Once per year | 5.000% | $500.00 |
| Semi-Annually | Twice per year | 5.062% | $506.25 |
| Quarterly | 4 times per year | 5.095% | $509.45 |
| Monthly | 12 times per year | 5.116% | $511.62 |
| Daily | 365 times per year | 5.127% | $512.67 |
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دليل خطوة بخطوة
Input Stated Interest Rate (APR)
Enter the nominal annual percentage rate quoted by your bank or financial institution.
Examine Compounding Table
Review effective APY calculations and actual dollar return on a benchmark $10,000 deposit across all 5 schedules.
Identify Spread Advantage
See the basis-point spread between annual compounding and daily continuous compounding.
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