APY ↔ APR Converter

Convert between APR and APY. Enter your rate, choose APR → APY or APY → APR, and select how often it compounds; we show the equivalent rate.

Inputs

How often the rate compounds per year. Required for conversion.

Result

Equivalent APY5.12%

5.00% APR compounded 12 times per year ≈ 5.12% APY

How it works

APR → APY: APY = (1 + APR/n)^n − 1, where n = compounding periods per year. The entered rate is treated as a nominal APR; we compound it at the selected frequency to get the effective annual yield (APY).

APY → APR: APR = n × ((1 + APY)^(1/n) − 1). The entered rate is treated as an effective APY; we solve for the nominal APR that would produce it at the selected compounding frequency.

Results are in percent. Conversion is mathematical only; no fees or adjustment. This tool does not project balances over time—for that, use the Staking or Compound Interest calculators.

FAQ

Are these calculators financial advice?
No. All tools are for educational and estimation purposes only. Always do your own research and consider consulting a financial advisor.
Do you store my data?
No. All calculations run in your browser. We do not collect or store your inputs.
What is the difference between APR and APY?
APR (annual percentage rate) is the nominal rate per year before compounding. APY (annual percentage yield) is the effective rate after compounding. For example, 12% APR compounded monthly gives an APY higher than 12% because of compounding.
Why does compounding frequency matter?
The more often interest compounds, the higher the effective APY for a given APR. Monthly compounding gives a higher APY than annual compounding at the same APR. So when comparing rates, you need to know the compounding frequency to convert fairly.
How is this different from the Staking calculator?
The Staking calculator projects how much you'll have from staking over time (tokens, rewards, ending value). This converter only converts between APR and APY for a given compounding frequency—no time horizon, no token amount, no fees. Use this when you see one rate (e.g. APR on a platform) and want the equivalent in the other form.

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Calculators are for education and estimation only. Not financial advice.