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ALL TOOLS / APY / APR CONVERTER
APY / APR Converter
Convert nominal APR and effective APY using a compounding frequency.
Review every input and assumption. Calculate, save a scenario, compare it below, and export a backup before clearing browser data.
Inputs
Results
Saved scenarios & comparison
Assumptions & how it works
APY = (1 + APR/n)^n − 1. APR = n × ((1 + APY)^(1/n) − 1). This assumes fixed rates and reinvestment without fees. Zero rates are supported.
Worked example
10% APR compounded monthly corresponds to approximately 10.47% APY.
Can I use this offline?
Manual calculations work after this page and its assets have been cached. Live provider fetches need internet. Historical DCA needs uploaded or cached price data.
Where are my records saved?
Saved records use IndexedDB in this browser on this device. Use Settings after the moon icon to download a JSON backup, review recovery copies or restore records.
Does this execute trades?
No. Results are educational scenarios. Check fees, contract rules and actual execution prices separately.
HELPFUL ANSWERS
Frequently asked questions
Answers for APY / APR Converter.
What does APY / APR Converter do?
Convert nominal APR and effective APY using a compounding frequency.
Which assumptions should I check?
APY = (1 + APR/n)^n − 1. APR = n × ((1 + APY)^(1/n) − 1). This assumes fixed rates and reinvestment without fees. Zero rates are supported.
How do I get help with an input?
Use Help & guide for instructions for this page. Hover over a question mark, focus it with your keyboard, or tap it on mobile for field help. Press Escape or tap outside to dismiss a tooltip.
Where are my records saved?
Saved financial records stay in this browser on this device. Use Settings to download a full JSON backup. Clearing browser site data can delete local records.
Can I try the website without entering real information?
Use Load sample data to open a fictional sample portfolio. Review / clear samples shows the affected records before clearing them. Real records remain separate; cleared samples are recoverable for 30 days.
What is the difference between a report and a backup?
PDF, Excel and CSV reports contain the selected results or records. A full JSON backup preserves the workspace, settings and supported record types for restoration. Confirm a downloaded file was actually saved.
Will my old website data appear here?
On the same browser profile and exact origin, legacy local-storage data migrates when the new database is first created. If this database already exists, import an old version 13 JSON backup through Settings. Original calculation summaries appear on their calculator pages; missing inputs are not invented.