What is the EAR formula?

EAR = (1 + r/n)^n − 1, where r = nominal annual rate (decimal), n = compounding periods per year.

To compare rates with different compounding (e.g. 5% monthly vs quarterly). EAR is the true annual return.

APY (Annual Percentage Yield) is the same as EAR—the effective rate after compounding.

Online Effective Annual Rate (EAR) Calculator

Convert nominal annual rate and compounding frequency to Effective Annual Rate (EAR / APY).

Nominal annual rate (%)

Compounding periods per year

What is the EAR formula?: EAR = (1 + r/n)^n − 1, where r = nominal annual rate (decimal), n = compounding periods per year.
When is EAR used?: To compare rates with different compounding (e.g. 5% monthly vs quarterly). EAR is the true annual return.
What is APY?: APY (Annual Percentage Yield) is the same as EAR—the effective rate after compounding.

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