What the Annual Percentage Yield Calculator is for
Calculate annual percentage yield and the amount earned on an entered deposit over a fixed term.
It keeps balances, contributions, withdrawals, fees, rate conventions, crediting frequency, and time periods visible so you can compare accounts and plans without hidden product assumptions.
Starting balanceinterest+compoundingFuture balanceRate, frequency, and time work togetherAPY = (1 + nominal annual rate ÷ m)^m − 1. Final balance = deposit × (1 + nominal annual rate ÷ m)^(m×years).
Read the estimate correctly
Use the result with its assumptions
A 10,000 deposit at a 5% nominal rate compounded monthly has a 5.1162% APY and grows to 10,511.62 after one year.
This amount-earned scenario distinguishes APY from the rate-only Effective Interest Rate conversion. Fees, withdrawals, additions, and product-specific disclosure rules are excluded.
Quick guide
How to use this calculator
Enter the balance, rate, timing, fee, or contribution assumptions named by the fields.
Use one currency and follow the stated nominal, effective, simple-interest, or compounding convention.
Review the calculator-specific assumptions before comparing accounts or making a savings decision.
Entered fixed decimals are parsed exactly. Compound projections use stable exponential forms and preserve zero-rate cases exactly; money rounds only for display and a supported nonzero amount is not replaced by a misleading zero.
Worked example
Worked example
A 10,000 deposit at a 5% nominal rate compounded monthly has a 5.1162% APY and grows to 10,511.62 after one year.
Amounts accept up to 30 digits and 12 decimal places and are capped at 1e12 per input. Rates are capped at 1000%. Most projections are capped at 1,200 months or 100 years; narrower whole-number limits appear in field labels.
International scope
No currency, institution, current market rate, deposit-insurance rule, tax system, regulatory disclosure, or jurisdiction-specific product term is assumed.
Decision boundary
Results are arithmetic scenarios from visitor-entered assumptions, not account quotations, forecasts, tax advice, legal determinations, deposit guarantees, or recommendations.
Calculator-specific assumptions
This amount-earned scenario distinguishes APY from the rate-only Effective Interest Rate conversion. Fees, withdrawals, additions, and product-specific disclosure rules are excluded.
