APR to APY Calculator— Free & Private
Convert between APR and APY with different compounding frequencies. See real earnings on $1,000.
APY
10.52%
All calculations happen in your browser. No data stored.
What Is the Difference Between APR and APY?
An APR to APY calculator converts between annual percentage rate and annual percentage yield, accounting for the effect of compounding. APR represents the simple annual interest rate without compounding, while APY reflects the actual return you earn when interest compounds on itself over the year. In DeFi and crypto staking, protocols often advertise APR, but your real earnings depend on how frequently rewards compound. Our calculator converts in both directions, supports multiple compounding frequencies, and previews your projected earnings — all processed privately in your browser.
How to Use APR to APY Calculator
Enter the rate
Input an APR or APY value that you want to convert.
Select compounding frequency
Choose how often interest compounds — daily, weekly, monthly, quarterly, or annually.
View the conversion
See the converted rate, the difference between APR and APY, and a projected earnings preview.
Why Use Our APR to APY Calculator?
Frequently Asked Questions
What is the difference between APR and APY?
APR is the simple annual rate without compounding. APY includes the effect of compounding interest on interest. APY is always equal to or higher than APR for the same nominal rate.
Why is APY higher than APR?
APY accounts for compound interest — you earn returns on your previously earned returns. The more frequently compounding occurs, the larger the gap between APY and the equivalent APR.
Does compounding frequency matter?
Yes. Daily compounding yields more than monthly, which yields more than annual compounding for the same APR. In DeFi, many protocols auto-compound daily, making the frequency very relevant.
Is this calculator free to use?
Yes. The calculator is completely free with no limits. All conversions run instantly in your browser and no financial data is collected, stored, or transmitted.
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