United States · Personal Finance

APY Calculator

Convert a nominal annual interest rate and compounding frequency into annual percentage yield (APY).

US dollarsRuns in your browserFormula & assumptions ↓

Your inputs

Your results

Enter your values and calculate to see the result.

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How this APY Calculator works

This tool uses the values you enter to produce a transparent planning estimate in US dollars. It runs locally in your browser and does not require an account.

Formula and assumptions

The calculation uses standard financial arithmetic for the inputs shown above. Interest-rate results assume the entered rate remains constant for the modeled period unless the calculator states otherwise.

Before making a financial decision

Compare the estimate with actual account disclosures, lender terms, fees, taxes and compounding conventions. This calculator is educational and does not provide individualized financial advice.

Browse all US personal-finance calculators.

How to use this calculator

  1. Set Nominal annual rate (default 5).
  2. Set Compounds per year (default 12).
  3. Select Calculate to update the result. Reset restores the starting values.

Planning estimate only. Rates, fees, taxes, account terms and lender or institution rules can change actual outcomes.

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