APY Calculator
Convert a nominal rate and compounding frequency into the annual percentage yield, and see interest earned.
Compare Your Options And Get Clear Answers
Convert a nominal rate and compounding frequency into the annual percentage yield, and see interest earned.
APY Estimator
Enter your numbers below for an instant estimate.
How It Works
Key concepts behind this calculator
Enter Values
Fill in each field with your own numbers.
Calculate
Results update as you change the inputs.
Review
Read the breakdown and the explanation.
Adjust
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APY Quick Guide
Typical values for reference.
| Rate % | Compounds | Deposit £ | APY % |
|---|---|---|---|
| 4.5 | 1 | 10000 | 4.500% |
| 4.5 | 4 | 10000 | 4.577% |
| 4.5 | 12 | 10000 | 4.594% |
| 4.5 | 365 | 10000 | 4.602% |
| Rule of Thumb | Check inputs | Use as a guide | Round sensibly |
APY Calculator FAQ
Answers to common questions about this calculator.
Yearly return including compounding.
APY includes compounding; APR does not.
APY = (1 + rate / n)^n – 1.
It is an estimate based on the inputs you enter. Check real quotes, labels or official guidance for important decisions.