اشتہار میں دی گئی CD کی APY کو واپس اس کی APR میں بدلیے۔
شرح اس طور پر دی گئی ہے
1 سال
عام مدتیں
مرکب سود کی تعدد
1 سال کے CD میں $10,000.00، 4.60% APY پر، روزانہ مرکب سود کے ساتھ بڑھ کر $10,460.00 ہو جاتی ہے — یعنی $460.00 سود، اوسطاً $38.33 ماہانہ۔
مدت کے دوران بیلنس
| ماہ | اصل رقم | سود | بیلنس |
|---|---|---|---|
| آغاز پر | $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.
فارمولوں اور مواد کا آخری جائزہ . بینکوں کی شرحیں اکثر بدلتی رہتی ہیں — موجودہ شرح کی تصدیق براہِ راست اپنے ادارے سے کر لیجیے۔
مختصر جواب
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.
فارمولا اور طریقہ کار
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.
رہنمائی
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.
مثالیں
اندراجات
نتیجہ
The bank credits interest at a 4.50% annual rate; daily compounding is what lifts the effective yield to 4.60%.
طریقہ کار
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.
ہمارے اصول Regulation DD (12 CFR 1030) کے مطابق ہیں، جو یہ طے کرتا ہے کہ امریکی ادارے ڈپازٹ اکاؤنٹس پر APY کیسے ظاہر کریں۔ بیمہ شدہ اداروں میں رکھی رقوم فی ڈپازٹر، فی بینک، فی ملکیتی زمرہ $250,000 تک FDIC کے تحت محفوظ ہوتی ہیں۔
بنیادی ذرائع
تفصیلات
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.
آپس کا تعلق
استعمالات
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.
متعلقہ ٹولز
عمومی سوالات
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.
سیکیورٹی اور پرائیویسی
وہی مرکب سود اور APY کے اصول استعمال ہوتے ہیں جو Regulation DD کے تحت بینک استعمال کرتے ہیں۔
نہ سائن اپ، نہ ای میل کی رکاوٹ، نہ ادائیگی کی دیوار۔ ہر کیلکولیٹر پہلی ہی بار مکمل طور پر قابلِ استعمال ہے۔
ہر حساب آپ ہی کے آلے پر JavaScript میں چلتا ہے۔ نہ کچھ سرور کو بھیجا جاتا ہے نہ محفوظ کیا جاتا ہے۔
سائٹ HTTPS پر پیش کی جاتی ہے اور اس میں مخلوط مواد نہیں۔ ہماری پرائیویسی پالیسی پڑھیے، یا ہر عدد کے پیچھے موجود فارمولے اور طریقہ کار دیکھیے۔
Every advertised APY has a nominal APR underneath it. Convert yours and see exactly what compounding is adding.