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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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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