[{"content":{"header":"[Tejji.com](/)\n\n[Contact](/contact)\n\nInstall\n\nMenu\n\nApps \u0026 Tools\n\n[Mortgage Calculator](/apps/mortgage-calculator) [Loan EMI Calculator](/apps/loan-emi-calculator) [Compound Interest Calculator](/apps/compound-interest-calculator) [Investment Calculator](/apps/investment-calculator) [Retirement Calculator](/apps/retirement-calculator) [Future Value Calculator](/apps/future-value-calculator) [Net Present Value Calculator](/apps/net-present-value-calculator) [Inflation Calculator](/apps/inflation-calculator) [Salary Calculator](/apps/salary-calculator) [Income Tax Calculator](/apps/tax-calculator) [Sales Tax Calculator](/apps/sales-tax-calculator) [Tip Calculator](/apps/tip-calculator) [Percentage Calculator](/apps/percentage-calculator) [APR to APY](/apps/apr-to-apy) [Money Converter](/apps/money-converter) [Send Money](/apps/send-money) [Invoice Generator](/apps/invoice-generator) [Calculator](/apps/calculator) [BMI 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Calculator](/apps/future-value-calculator)\n- [Net Present Value Calculator](/apps/net-present-value-calculator)\n- [Inflation Calculator](/apps/inflation-calculator)\n- [Salary Calculator](/apps/salary-calculator)\n- [Income Tax Calculator](/apps/tax-calculator)\n- [Sales Tax Calculator](/apps/sales-tax-calculator)\n- [Tip Calculator](/apps/tip-calculator)\n- [Percentage Calculator](/apps/percentage-calculator)\n- [APR to APY](/apps/apr-to-apy)\n- [Money Converter](/apps/money-converter)\n- [Send Money](/apps/send-money)\n- [Invoice Generator](/apps/invoice-generator)\n- [Calculator](/apps/calculator)\n\n\u003c!--THE END--\u003e\n\n- Health\n- [BMI Calculator](/apps/bmi-calculator)\n- [Body Fat Calculator](/apps/body-fat-calculator)\n- [Calorie Calculator](/apps/calorie-calculator)\n\n\u003c!--THE END--\u003e\n\n- Education\n- [GPA Calculator](/apps/gpa-calculator)\n- [Grade Calculator](/apps/grade-calculator)\n\n\u003c!--THE END--\u003e\n\n- Developer\n- [JSON Formatter](/apps/json-formatter)\n- [Regex Tester](/apps/regex-tester)\n- [Hash Generator](/apps/hash-generator)\n- [UUID Generator](/apps/uuid-generator)\n- [Unix Timestamp Converter](/apps/timestamp-converter)\n- [Cron Builder](/apps/cron-expression-builder)\n- [Base64 Encoder](/apps/encode-decode-base64)\n- [HTML Encoder](/apps/encode-decode-html)\n- [HTML to Text](/apps/html-to-text)\n- [URL Encoder Decoder](/apps/url-encoder-decoder)\n- [Markdown Editor](/apps/markdown-editor)\n- [Meta Tag Generator](/apps/meta-tag-generator)\n- [QR Code Generator](/apps/qr-code-generator)\n- [Password Generator](/apps/password-generator)\n- [Color Picker](/apps/color-picker)\n- [Character Count](/apps/character-count)\n- [Typo Generator](/apps/typo-generator)\n\n\u003c!--THE END--\u003e\n\n- Fun\n- [Age Calculator](/apps/age-calculator)\n- [Date Calculator](/apps/date-calculator)\n- [What Day Is It](/apps/what-day-is-it)\n- [Lottery Number Generator](/apps/lottery-number-generator)\n\n\u003c!--THE END--\u003e\n\n- Productivity\n- [Pomodoro Timer](/apps/pomodoro-timer)\n\n\u003c!--THE END--\u003e\n\n- Math\n- [Pythagoras Theorem](/apps/pythagoras-theorem)\n- [Roman Numeral Converter](/apps/roman-numeral-converter)\n\nAPR to APY Converter — Annual Rate Conversion\n\n📱 Install Tejji for quick access to this tool Install\n\n# APR to APY Converter\n\nConvert between APR and APY to accurately compare financial products. Essential for borrowers evaluating loan costs and savers comparing deposit rates. Accounts for compounding frequency to show true cost or yield.\n\n## APR → APY\n\nAPR (%)\n\nCompounding Frequency Annually (1) Semi-Annually (2) Quarterly (4) Monthly (12) Biweekly (26) Weekly (52) Daily (365) Continuous\n\nAPY (Effective Annual Rate) **12.68%**\n\n## APY → APR\n\nAPY (%)\n\nCompounding Frequency Annually (1) Semi-Annually (2) Quarterly (4) Monthly (12) Biweekly (26) Weekly (52) Daily (365) Continuous\n\nAPR (Nominal Annual Rate) **12.00%**\n\n## Compounding Comparison\n\nFrequencyPeriods/YearAPYDifference\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App\n\n## Related Products\n\n[🔢 Financial Calculators →](https://www.amazon.com/s?k=financial%20calculator%20business\u0026tag=tejji-20) [📘 Banking Books →](https://www.amazon.com/s?k=banking%20finance%20books\u0026tag=tejji-20) [📈 Investment Guides →](https://www.amazon.com/s?k=investment%20guide%20beginners\u0026tag=tejji-20)\n\n*As an Amazon Associate, tejji.com earns from qualifying purchases.*\n\n## Frequently Asked Questions\n\n### What is the difference between APR and APY?\n\nAPR (Annual Percentage Rate) is the simple annual rate without compounding. APY (Annual Percentage Yield) includes the effect of compounding, showing the true annual return. APY is always greater than or equal to APR.\n\n### How do I convert APR to APY?\n\nAPY = (1 + APR/n)^n − 1, where n is the compounding periods per year. For example, 12% APR compounded monthly: (1 + 0.12/12)^12 − 1 = 12.68% APY.\n\n### Why does compounding frequency matter?\n\nMore frequent compounding means interest earns interest sooner, increasing the effective yield. Daily compounding gives a higher APY than monthly for the same APR.\n\n### Is this the best free APR to APY converter?\n\nYes — this converter is completely free, requires no account, and supports every common compounding frequency from annual to continuous. The side-by-side comparison table makes it easy to see how frequency affects your yield.\n\n### Can I share my APR to APY conversion result?\n\nYes. Every conversion generates a unique URL you can bookmark or share. Opening that link will pre-populate the APR and compounding frequency so the recipient sees the same result.\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App\n\n## Related Tools\n\n[📈 Compound Interest Calculator finance](/apps/compound-interest-calculator) [💹 Investment Calculator finance](/apps/investment-calculator) [% Percentage Calculator finance](/apps/percentage-calculator) [📊 Inflation Calculator finance](/apps/inflation-calculator) [🏦 Loan EMI Calculator finance](/apps/loan-emi-calculator) [🏖 Retirement Calculator finance](/apps/retirement-calculator)\n\n📱\n\nQuick Access\n\nInstall this tool on your device for instant access\n\nInstall App","footer":"\n\n📱 Install Tejji for quick access to this tool Install\n\nTools\n\n- [All Apps](/apps/)\n- [Converters](/convert/)\n- [IP Tools](/ip/)\n- [Calculator](/apps/calculator)\n\nExplore\n\n- [Time \u0026 Date](/time-date/)\n- [Postal Codes](/zip-codes/)\n- [Typing](/typing/)\n- [Extensions](/browser/chrome/extensions/)\n\nCompany\n\n- [About](/home/about)\n- [Contact](/home/contact)\n- [Privacy](/home/privacy)\n- [Terms](/home/terms)\n\nSupport\n\n- [Feedback](/home/contact)\n- [Buy me a coffee](https://buymeacoffee.com/tejji)\n\n© 2026 [Tejji.com](/) — Free online tools for everyone.\n\nWe use cookies for analytics and ads. By clicking \"Accept\", you consent to our use of cookies. [Privacy Policy](/home/privacy)\n\nReject Accept"},"metadata":{"title":"APR to APY Calculator — Annual Percentage Yield | Tejji","description":"Free online APR to APY converter — convert between annual percentage rate and annual percentage yield instantly. Compare loan and savings rates accurately. No sign-up required.","imageUrl":"https://tejji.com/page/og-default.png","author":null,"published":null,"modified":null},"rate":{"price":{"priceMicros":0,"currency":""},"license":{"cuid":"","licenseType":"","licensePath":"","permissions":[],"validUntil":""},"error":""}}]