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Rechner: APY vs APR.

Nutzen Sie den Rechner: APY vs APR für ein klares, praktisches Ergebnis aus Ihren Eingaben.

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Quoted APR: 6.000%

Quoted APR

6.000%
Effective APY: 6.168%

Effective APY

6.168%
APY − APR: 0.168 percentage points

APY − APR

0.168percentage points

How to Use

APR is treated as the nominal rate you enter. Fees, taxes, minimum balances, and lender-specific disclosure rules are not inferred.

FAQs

Does this include lender fees?

No. It compares the entered nominal APR with its compounding-derived effective annual yield and does not infer fees or jurisdictional disclosure rules.

Cite this calculator

Canonical URL: https://mathify.one/de/finance/apy-vs-apr

Cite as: Mathify. (2026). Rechner: APY vs APR. https://mathify.one/de/finance/apy-vs-apr

Use Cases

Compare loan offers

Use the calculator to see the true annual cost of loans with different compounding frequencies, helping you choose the most cost-effective option.

Example: A loan with 6% APR compounded monthly has an APY of about 6.17%.

Evaluate savings accounts

Determine the effective annual yield of a savings account or CD based on its quoted APR and compounding schedule.

Example: A savings account with 2% APR compounded daily yields about 2.02% APY.

Frequently Asked Questions

What is the difference between APR and APY?
APR (Annual Percentage Rate) is the simple interest rate quoted for a year, not accounting for compounding. APY (Annual Percentage Yield) reflects the actual return or cost after compounding interest within the year. APY is usually higher than APR when compounding occurs more than once a year.
How does compounding frequency affect APY?
The more frequently interest is compounded (e.g., monthly, daily), the higher the APY will be relative to the APR. This calculator lets you input the compounding frequency to see how it changes the effective annual yield.
Why is APY important for comparing financial products?
APY gives a true apples-to-apples comparison of the annual return or cost, because it includes the effect of compounding. APR alone can understate the cost of a loan or overstate the return on an investment if compounding is frequent.

Tips & Common Mistakes

Tips

  • Always compare APY rather than APR when evaluating the true cost or return, especially for products with different compounding frequencies.
  • If you are comparing loans, the lower APY is generally better; for investments, the higher APY is better.
  • Remember that APY assumes the interest is left in the account and compounds; if you withdraw interest, your actual yield may be lower.

Common Mistakes to Avoid

  • Assuming APR and APY are the same when compounding occurs more than once a year.
  • Forgetting to input the correct compounding frequency, which can significantly change the APY result.
  • Using APY to compare loans with different terms (e.g., a 1-year vs. 5-year loan) without considering the loan term.

Last updated: August 13, 2026