APY Calculator

True annual yield calculator

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About APY Calculator

An APY calculator that converts nominal interest rates (APR) to Annual Percentage Yield (APY) based on compounding frequency. See how daily, monthly, quarterly, or annual compounding affects your returns. Calculate actual earnings on savings accounts, CDs, money market accounts, and crypto staking. Supports reverse calculation: find the required APR to achieve a target APY. No personal information required — 100% client-side.

APY Calculator Features

  • APR to APY conversion
  • APY to APR reverse
  • Compounding frequency
  • Earnings projection
  • Savings/CD/crypto
  • Daily/monthly/annual
  • Rate comparison
  • Growth timeline
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