APY Calculator

Calculate real returns on savings with our APY Calculator. Factor in compound interest, rates, and frequency to see your true annual percentage yield.

Input
Output

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Enter your interest rate and compounding details to calculate your Annual Percentage Yield (APY) instantly!

Future Investment Value

Total Interest Earned

Initial Balance

APY

Year Interest Earned Accrued Interest Balance

The APY Calculator of Calcify can help you understand the real annual yield on a savings account or investment when interest is compounded. You can enter the interest rate and compounding frequency (daily, monthly, yearly), and the tool shows your Annual Percentage Yield. This helps you compare banks and saving options fairly.

For example, two accounts may both claim “6% interest,” but one compounds monthly and one compounds yearly. The APY calculator shows which one actually grows your money faster. Use this APY Calculator before you choose where to keep your savings. Then explore more deposit and interest tools on Calcify.

FAQs

A tool to calculate the factual quantum of monthly yield (APY), including compound interest.

APY = (1 + r/n)^n – 1; where r is the rate, n is the number of compounding periods each year.

APY takes into account compounding; APY reflects actual return versus a nominal APR rate.

Yes, the calculator optionally factors in periodic contributions.

Daily, monthly, quarterly, semi‑annual, or annual compounding options.

Yes. Instant, online, no signup or payment required.

APY calculator, APY interest calculator, APY returns calculation.

It becomes approx ₹10,512 in one year (APY ≈ 5.12%).

Savvy savers comparing bank rates or planning savings growth.

Yes, grounded on the compounding formula; doesn't include fees or taxes.

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