表示されているCDのAPYをAPRに逆算します。
金利の表示方法
1 年
一般的な期間
複利頻度
1 年 の定期預金に $10,000.00、金利 4.60% APY、日次複利で $10,460.00 に増加 — 利息は $460.00、月平均 $38.33 です。
期間中の残高
| か月目 | 元本 | 利息 | 残高 |
|---|---|---|---|
| 開設時 | $10,000.00 | $0.00 | $10,000.00 |
| 2mo | $10,000.00 | $75.24 | $10,075.24 |
| 5mo | $10,000.00 | $189.16 | $10,189.16 |
| 7mo | $10,000.00 | $265.82 | $10,265.82 |
| 10mo | $10,000.00 | $381.89 | $10,381.89 |
| 1y | $10,000.00 | $460.00 | $10,460.00 |
Calculated in your browser using A = P(1 + r/n)nt. Nothing is sent to a server. Figures are before tax; confirm exact terms with your bank.
計算式とコンテンツの最終確認日 . 銀行の金利は頻繁に変動します。最新の金利は必ずご利用の金融機関に直接ご確認ください。
結論から
A CD's APR is its nominal annual rate before compounding — the rate actually applied at each compounding period — and it converts from APY as APR = n × ((1 + APY)^(1/n) − 1). A 4.60% APY compounded daily corresponds to a 4.50% APR. You need this conversion whenever a bank quotes you a nominal or "interest rate" figure rather than APY, because entering a nominal rate into a calculator expecting APY applies compounding twice and overstates your return. It also matters when comparing a CD against a product quoted in APR, such as a loan you might otherwise pay down. APR is always the lower of the two numbers on any account compounding more than once a year, which is why marketing leads with APY, and why Regulation DD makes APY the required disclosure.
計算式と手法
APR = n × ((1 + APY)^(1/n) − 1)
Strips the compounding effect back out of an advertised yield.
Convert the advertised APY to a decimal (4.60% → 0.046).
Add 1 to get the annual growth factor.
Take the n-th root — raise it to the power of 1 ÷ n.
Subtract 1 to get the rate for a single compounding period.
Multiply by n and by 100 for the annualised nominal rate.
ガイド
Type the bank's quoted figure and set the toggle to APY, which is how deposit rates are normally published.
This drives the conversion. Daily compounding creates the largest gap between APY and APR.
The result card shows APY and APR together, so you can see precisely what compounding contributes.
例
入力値
結果
The bank credits interest at a 4.50% annual rate; daily compounding is what lifts the effective yield to 4.60%.
算出方法
APR here means the nominal deposit rate. On loans, APR also includes fees — that is a different calculation entirely.
The conversion assumes interest compounds at the stated frequency and stays in the account.
A 365-day year is used, consistent with Regulation DD.
計算の慣行は、米国の金融機関が預金口座のAPYを開示する方法を定めたRegulation DD（12 CFR 1030）に従っています。付保対象の金融機関への預金は、預金者ごと・銀行ごと・所有区分ごとに$250,000までFDICで保護されます。
一次情報
詳細
For deposits, APY > APR whenever interest compounds more than once a year. For loans the relationship is reversed in effect, because fees inflate loan APR.
If a bank quotes only an 'interest rate' with no APY label, treat it as the nominal APR and convert before comparing.
The APY–APR gap scales with the rate: about 0.01 points at 1%, roughly 0.13 points at 5%.
If your CD pays interest out monthly rather than compounding it, your realised return matches the APR, not the APY.
つながり
活用シーン
You want to know the mechanics behind the advertised number rather than take it at face value.
You are building your own projection and need the nominal rate to feed a period-by-period model.
関連ツール
APR = n × ((1 + APY)^(1/n) − 1), where APY is the quoted yield as a decimal and n is the number of compounding periods per year. It converts an effective annual yield back into the nominal rate that is actually applied at each compounding period. A 4.60% APY compounded daily corresponds to a 4.50% APR. You need this conversion whenever a bank hands you an APY but a calculator, a spreadsheet or a comparison expects a nominal rate — entering an APY where a nominal rate belongs applies compounding a second time and overstates the result. APR is always the lower of the two figures on any account compounding more than once a year, and the gap widens as the rate and the compounding frequency rise. It is the rate the bank works with internally; APY is the rate it advertises.
セキュリティとプライバシー
Regulation DDのもとで銀行が用いるのと同じ、複利とAPYの慣行を使用しています。
登録もメールアドレスの入力も課金もありません。すべての計算機を、初回から制限なくお使いいただけます。
すべての計算はJavaScriptによりブラウザ内で実行されます。サーバーへの送信も保存も行いません。
HTTPSで配信しており、混在コンテンツはありません。詳しくは プライバシーポリシー をご覧ください。すべての数値の根拠となる 計算式と算出方法 も公開しています。
Every advertised APY has a nominal APR underneath it. Convert yours and see exactly what compounding is adding.