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APY ↔ APR Calculator — Convert Compound Interest Rates Instantly
Convert between APR and APY for any compound frequency: annually, semi-annually, quarterly, monthly, weekly, daily, or continuous. See how the same APR produces different effective yields depending on how often interest compounds. A quick reference for DeFi staking, savings accounts, and crypto lending.
- Select a direction: APR to APY, or APY to APR.
- Enter the rate and select the compound frequency.
- See the converted rate and a comparison table across all frequencies.
Result
0.1047%
10.00% APR compounds to 0.1047% APY
APY at all frequencies (from APR)
| Frequency | APY |
|---|---|
| Continuous | 10.5171% |
| Daily (365×/year) | 10.5156% |
| Weekly (52×/year) | 10.5065% |
| Monthly (12×/year) | 10.4713% |
| Quarterly (4×/year) | 10.3813% |
| Semi-annually (2×/year) | 10.2500% |
| Annually (1×/year) | 10.0000% |
Frequently Asked Questions
- What is the difference between APR and APY?
- APR (Annual Percentage Rate) is the stated annual rate without compounding. APY (Annual Percentage Yield) reflects the actual return when interest compounds within the year. For the same APR, more frequent compounding produces a higher APY.
- What does "continuous" compounding mean?
- Continuous compounding is the mathematical limit of compounding at infinitely frequent intervals. The formula is APY = e^(APR) − 1. In practice, daily compounding is nearly equivalent.
- Why is APY always ≥ APR?
- Because compound interest earns returns on previously earned interest. The only case where APY = APR is annual compounding — once per year, there is no intra-year interest to compound.
- Is my data sent anywhere?
- No. All calculations run in your browser.