Effective Annual Rate (EAR) Calculator
Compute the effective annual rate to compare interest rates that compound differently.
Effective annual rate (EAR)
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EAR is another name for APY in many contexts.
Why EAR matters
Two products can advertise the same APR but yield different results due to compounding frequency. EAR standardizes the rate so you can compare like-for-like.
Use the APY calculator if you prefer that label — the math is the same.