Rate Riser
Flip a stated rate into its real yield — or work backward from a yield you already know. Watch the number move.
The stated annual rate before compounding kicks in.
%
How often interest gets credited each year.
Starting balance
Years held
EFFECTIVE ANNUAL YIELD
5.116%
On a 5.00% nominal rate, compounded monthly.
Nominal APR
5.000%
Compounding lift
+0.116 pts
One-year interest on balance
$511.62
APY = (1 + APR/n)ⁿ − 1
Same rate, different compounding
Your rate held constant — here’s the effective yield each schedule actually produces.
What your balance could grow to
Assumes the calculated yield holds steady and interest stays put.