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index.html
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<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><meta http-equiv="x-ua-compatible" content="ie=edge"/><meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no"/><style data-href="/styles.7fded6537336273d4944.css">.Header-module--headerContainer--3kwn8{display:flex;justify-content:center;z-index:999;height:82px}.Header-module--headerContainer--3kwn8 .Header-module--headerContent--2HCSP{max-width:1500px;width:100%;display:flex;align-items:center;padding:0 20px}.Header-module--headerContainer--3kwn8 .Header-module--headerContent--2HCSP a{text-decoration:none;color:#333}.Header-module--headerContainer--3kwn8 .Header-module--headerContent--2HCSP h1{font-size:1.5rem;margin:0}.Header-module--headerContainer--3kwn8 .Header-module--headerContent--2HCSP .Header-module--purple--dpOVW{color:var(--purpleThree)}.Header-module--headerContainer--3kwn8 .Header-module--headerContent--2HCSP .Header-module--green--1HrB2{color:var(--greenThree)}.Header-module--dynamicHeaderContainer--2hVi1,.Header-module--dynamicHeaderHidden--1TL3Q{margin:0;position:fixed;left:0;right:0;display:flex;justify-content:center;box-shadow:0 8px 8px rgba(0,0,0,.03);transition:top .5s;z-index:99;height:82px;background-color:#fff}.Header-module--dynamicHeaderContainer--2hVi1 .Header-module--headerContent--2HCSP,.Header-module--dynamicHeaderHidden--1TL3Q .Header-module--headerContent--2HCSP{max-width:1500px;width:100%;display:flex;align-items:center;padding:0 20px}.Header-module--dynamicHeaderContainer--2hVi1 .Header-module--headerContent--2HCSP a,.Header-module--dynamicHeaderHidden--1TL3Q .Header-module--headerContent--2HCSP a{text-decoration:none;color:#333}.Header-module--dynamicHeaderContainer--2hVi1 .Header-module--headerContent--2HCSP h1,.Header-module--dynamicHeaderHidden--1TL3Q .Header-module--headerContent--2HCSP h1{font-size:1.5rem;margin:0}.Header-module--dynamicHeaderContainer--2hVi1 .Header-module--headerContent--2HCSP .Header-module--purple--dpOVW,.Header-module--dynamicHeaderHidden--1TL3Q .Header-module--headerContent--2HCSP .Header-module--purple--dpOVW{color:var(--purpleThree)}.Header-module--dynamicHeaderContainer--2hVi1 .Header-module--headerContent--2HCSP .Header-module--green--1HrB2,.Header-module--dynamicHeaderHidden--1TL3Q .Header-module--headerContent--2HCSP .Header-module--green--1HrB2{color:var(--greenThree)}.Header-module--logo--3yAKW{margin-right:auto}.Header-module--headerLink--KYyGW{padding:.5rem;color:var(--black)}.Header-module--dynamicHeaderHidden--1TL3Q{top:-150px}.Header-module--dynamicHeaderContainer--2hVi1{top:0}@media (max-width:1200px){.Header-module--headerContainer--3kwn8{max-width:1060px}}@media (max-width:450px){.Header-module--headerContent--2HCSP h1{text-align:center}}:root{--purpleThree:#67638f;--purpleOne:#cacadb;--greenThree:#39837a;--greenOne:#d3e4da;--offWhite:#f9f9f8;--black:rgba(51,51,51,0.75)}html{font-family:sans-serif;height:100%;-ms-text-size-adjust:100%;-webkit-text-size-adjust:100%}body{background-color:#f9f9f8;position:relative;margin:0;padding:0;min-height:100%;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}article,aside,details,figcaption,figure,footer,header,main,menu,nav,section,summary{display:block}audio,canvas,progress,video{display:inline-block}audio:not([controls]){display:none;height:0}progress{vertical-align:baseline}[hidden],template{display:none}a{background-color:transparent;-webkit-text-decoration-skip:objects}a:active,a:hover{outline-width:0}abbr[title]{border-bottom:none;text-decoration:underline;-webkit-text-decoration:underline dotted;text-decoration:underline dotted}b,strong{font-weight:inherit;font-weight:bolder}dfn{font-style:italic}mark{background-color:#ff0;color:#000}small{font-size:80%}sub,sup{font-size:75%;line-height:0;position:relative;vertical-align:baseline}sub{bottom:-.25em}sup{top:-.5em}img{border-style:none}svg:not(:root){overflow:hidden}code,kbd,pre,samp{font-family:monospace,monospace;font-size:1em}figure{margin:1em 40px}hr{box-sizing:content-box;height:0;overflow:visible}button,input,optgroup,select,textarea{font:inherit;margin:0}optgroup{font-weight:700}button,input{overflow:visible}button,select{text-transform:none}[type=reset],[type=submit],button,html [type=button]{-webkit-appearance:button}[type=button]::-moz-focus-inner,[type=reset]::-moz-focus-inner,[type=submit]::-moz-focus-inner,button::-moz-focus-inner{border-style:none;padding:0}[type=button]:-moz-focusring,[type=reset]:-moz-focusring,[type=submit]:-moz-focusring,button:-moz-focusring{outline:1px dotted ButtonText}fieldset{border:1px solid silver;margin:0 2px;padding:.35em .625em .75em}legend{box-sizing:border-box;color:inherit;display:table;max-width:100%;padding:0;white-space:normal}textarea{overflow:auto}[type=checkbox],[type=radio]{box-sizing:border-box;padding:0}[type=number]::-webkit-inner-spin-button,[type=number]::-webkit-outer-spin-button{height:auto}[type=search]{-webkit-appearance:textfield;outline-offset:-2px}[type=search]::-webkit-search-cancel-button,[type=search]::-webkit-search-decoration{-webkit-appearance:none}::-webkit-input-placeholder{color:inherit;opacity:.54}::-webkit-file-upload-button{-webkit-appearance:button;font:inherit}html{font:112.5%/1.45em georgia,serif;box-sizing:border-box;overflow-y:scroll}*,:after,:before{box-sizing:inherit}body{color:rgba(0,0,0,.8);font-family:Lato,san-serif;font-weight:400;word-wrap:break-word;-webkit-font-kerning:normal;font-kerning:normal;-ms-font-feature-settings:"kern","liga","clig","calt";font-feature-settings:"kern","liga","clig","calt","kern"}img{max-width:100%;padding:0;margin:0 0 1.45rem}h1{font-size:2.25rem}h1,h2{padding:0;margin:0 0 1.45rem;color:inherit;font-family:Lato,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Fira Sans,Droid Sans,Helvetica Neue,sans-serif;font-weight:700;text-rendering:optimizeLegibility;line-height:1.1}h2{font-size:1.62671rem}h3{font-size:1.38316rem}h3,h4{padding:0;margin:0 0 1.45rem;color:inherit;font-family:Lato,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Fira Sans,Droid Sans,Helvetica Neue,sans-serif;font-weight:700;text-rendering:optimizeLegibility;line-height:1.1}h4{font-size:1rem}h5{font-size:.85028rem}h5,h6{padding:0;margin:0 0 1.45rem;color:inherit;font-family:Lato,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,Oxygen,Ubuntu,Cantarell,Fira Sans,Droid Sans,Helvetica Neue,sans-serif;font-weight:700;text-rendering:optimizeLegibility;line-height:1.1}h6{font-size:.78405rem}hgroup{padding:0;margin:0 0 1.45rem}ol,ul{padding:0;margin:0 0 1.45rem 1.45rem;list-style-position:outside;list-style-image:none}dd,dl,figure,p{padding:0;margin:0 0 1.45rem}pre{margin:0 0 1.45rem;font-size:.85rem;line-height:1.42;background:rgba(0,0,0,.04);border-radius:3px;overflow:auto;word-wrap:normal;padding:1.45rem}table{font-size:1rem;line-height:1.45rem;border-collapse:collapse;width:100%}fieldset,table{padding:0;margin:0 0 1.45rem}blockquote{padding:0;margin:0 1.45rem 1.45rem}form,iframe,noscript{padding:0;margin:0 0 1.45rem}hr{padding:0;margin:0 0 calc(1.45rem - 1px);background:rgba(0,0,0,.2);border:none;height:1px}address{padding:0;margin:0 0 1.45rem}b,dt,strong,th{font-weight:700}li{margin-bottom:.725rem}ol li,ul li{padding-left:0}li>ol,li>ul{margin-left:1.45rem;margin-bottom:.725rem;margin-top:.725rem}blockquote :last-child,li :last-child,p :last-child{margin-bottom:0}li>p{margin-bottom:.725rem}code,kbd,samp{font-size:.85rem;line-height:1.45rem}abbr,abbr[title],acronym{border-bottom:1px dotted rgba(0,0,0,.5);cursor:help}abbr[title]{text-decoration:none}td,th,thead{text-align:left}td,th{border-bottom:1px solid rgba(0,0,0,.12);font-feature-settings:"tnum";-moz-font-feature-settings:"tnum";-ms-font-feature-settings:"tnum";-webkit-font-feature-settings:"tnum";padding:.725rem .96667rem calc(.725rem - 1px)}td:first-child,th:first-child{padding-left:0}td:last-child,th:last-child{padding-right:0}code,tt{background-color:rgba(0,0,0,.04);border-radius:3px;font-family:SFMono-Regular,Consolas,Roboto Mono,Droid Sans Mono,Liberation Mono,Menlo,Courier,monospace;padding:.2em 0}pre code{background:none;line-height:1.42}code:after,code:before,tt:after,tt:before{letter-spacing:-.2em;content:" "}pre code:after,pre code:before,pre tt:after,pre tt:before{content:""}@media only screen and (max-width:500px){html{font-size:100%}}.Title-module--title--gpPet{display:block;line-height:1.2;font-size:1.675rem}.Title-module--extraLarge--15QPb{font-size:3.8rem}.Title-module--large--VzqLM{font-size:1.75rem}.Title-module--medium--2xrrp{font-size:1.25rem}.Title-module--small--EPNM5{font-size:1rem}.Title-module--extraSmall--gTXo9{font-size:.8rem;margin:0;padding-bottom:.8rem}.NotFound-module--container--aoFHI{display:flex;justify-content:center;align-items:center;height:100vh;padding:0 2rem 2rem;margin-top:-75px}.NotFound-module--container--aoFHI a{background:var(--purpleThree);color:#fff;font-weight:700;padding:8px 25px;border-radius:30px;text-decoration:none;display:inline-block;transition:all .2s}.NotFound-module--container--aoFHI a:hover{background:var(--offWhite);border:2px solid var(--purpleThree);color:var(--purpleThree);padding:6px 23px}.NotFound-module--container--aoFHI p{font-size:.9rem}.NotFound-module--content--350jl{width:70%}.NotFound-module--right--2mZSW img{max-height:400px}@media (max-width:1024px){.NotFound-module--right--2mZSW{display:none}.NotFound-module--left--1fD5d{display:flex;flex-direction:column;align-items:center;justify-content:center}}.Container-module--container--3DLTW{max-width:1500px;width:100%;padding:0 20px;margin:0 auto}@media (max-width:1200px){.Container-module--container--3DLTW{max-width:1060px}}.Hero-module--heroContainer--Kvm9H{display:flex;flex-direction:column;align-items:center}.Hero-module--heroContainer--Kvm9H h1{margin-top:3.5rem}.Hero-module--purple--2XAK0{color:var(--purpleThree)}.Hero-module--green--10WUi{color:var(--greenThree)}.Hero-module--heroAprApyText--YYY1p{padding:0 5px}.Hero-module--calculatorContainer--aQGj5{margin-top:4rem;display:grid;grid-template-columns:repeat(5,-webkit-min-content);grid-template-columns:repeat(5,min-content);grid-gap:2rem;justify-content:center;align-items:center;white-space:nowrap}.Hero-module--calculatorContainer--aQGj5 span{font-weight:700}.Hero-module--infoSectionContainer--2mU_n{display:grid;grid-template-columns:repeat(2,1fr);grid-gap:0 4rem;margin:6rem 0 0;max-width:1200px}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS{padding:3rem 2rem 0}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS p{color:var(--black);font-size:1rem}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS a:focus{outline:2px solid var(--purpleThree)}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS div{display:flex;flex-direction:column;justify-content:flex-end;align-items:center}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS div p{color:#333;margin:0;font-size:1rem}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS div h2{font-weight:700;margin:1rem 0}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS div p:last-child{font-size:.8rem;font-style:italic}.Hero-module--infoSectionContainer--2mU_n .Hero-module--details--P3bDS .Hero-module--brand--3bZzt{max-width:106px;height:auto;margin:0}.Hero-module--infoSectionContainer--2mU_n .Hero-module--wellContent--G2vZu{padding:3rem 2rem;border:1px solid #e5e8eb}.Hero-module--infoSectionContainer--2mU_n .Hero-module--wellContent--G2vZu h2{font-style:italic;text-align:center}.Hero-module--infoSectionContainer--2mU_n .Hero-module--wellContent--G2vZu .Hero-module--row--2m9u-{display:flex;justify-content:space-between;margin:1rem 0;color:var(--black);font-size:1rem}.Hero-module--infoSectionContainer--2mU_n .Hero-module--wellContent--G2vZu .Hero-module--tableHeader--37vyr{font-weight:700;border-bottom:2px solid #333;color:#333}@media (max-width:1024px){.Hero-module--infoSectionContainer--2mU_n{grid-template-columns:1fr;max-width:600px}.Hero-module--infoSectionContainer--2mU_n .Hero-module--wellContent--G2vZu{grid-row:1}.Hero-module--calculatorContainer--aQGj5{margin-top:4rem;display:grid;grid-template-columns:1fr;grid-gap:1rem}.Hero-module--calculatorContainer--aQGj5 span{text-align:center;text-transform:uppercase}.Hero-module--calculatorContainer--aQGj5 input{width:100%}}@media (max-width:450px){.Hero-module--break--2hvLP{display:none}}.NumberInput-module--inputContainer--3SKZr{position:relative}.NumberInput-module--input--1pcKI{border-top:none;border-left:none;border-right:none;box-shadow:none;background:var(--offWhite);font-weight:700;color:var(--black);min-height:38px}.NumberInput-module--primaryInput--wEpPi{border-bottom:2px solid var(--purpleThree)}.NumberInput-module--primaryInput--wEpPi:focus{outline:none;border-bottom:2px solid var(--purpleOne)}.NumberInput-module--secondaryInput--1T38J{border-bottom:2px solid var(--greenThree)}.NumberInput-module--secondaryInput--1T38J:focus{outline:none;border-bottom:2px solid var(--greenOne)}.NumberInput-module--suffix--1iy8W{position:absolute;right:2px;top:5px;font-weight:700}.NumberInput-module--primarySuffix--rj869{color:var(--purpleThree)}.NumberInput-module--secondarySuffix--gDsa6{color:var(--greenThree)}.Well-module--well--11EgU{background-color:#fff;width:100%;box-shadow:0 10px 28px rgba(0,0,0,.05);border-radius:16px}.Well-module--wellContent--2WeaR{padding:1.5rem 2rem}@media (max-width:450px){.Well-module--wellContent--2WeaR{padding:1rem}}.ApiExplainerSection-module--heading--2k92X{text-align:center;margin:3.5rem 0 3rem}.ApiExplainerSection-module--apiExplainerContainer--1fde_{display:grid;grid-template-columns:35% auto;grid-gap:0 5rem;max-width:1350px;width:100%;margin:0 auto 5rem}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--exampleTwoContainer--uJUGV{padding-top:2rem;float:left}.ApiExplainerSection-module--apiExplainerContainer--1fde_ h3,.ApiExplainerSection-module--apiExplainerContainer--1fde_ h4{color:#333;margin-bottom:.75rem}.ApiExplainerSection-module--apiExplainerContainer--1fde_ code{margin-bottom:.8rem;float:left;width:100%}.ApiExplainerSection-module--apiExplainerContainer--1fde_ a{color:var(--purpleThree)}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--right--2vblo{position:relative;display:flex;justify-content:center;align-items:center}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--right--2vblo .ApiExplainerSection-module--well--OyNpB{z-index:2;height:100%;width:80%;padding:2rem;margin:auto}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--right--2vblo .ApiExplainerSection-module--purpleBox--mA4zS{position:absolute;background:var(--purpleOne);max-width:1000px;max-height:225px;height:100%;width:100%;z-index:1;border-radius:16px}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--left--3wz5i{display:flex;flex-direction:column;justify-content:center}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--left--3wz5i p{color:var(--black);font-size:1rem}.ApiExplainerSection-module--learnMore--3dsGV{display:block;margin:2rem auto 0;font-weight:700;color:var(--black);text-decoration:none;padding:0;border:none;background:transparent;cursor:pointer}.ApiExplainerSection-module--learnMore--3dsGV:focus{outline:2px solid var(--purpleThree)}.ApiExplainerSection-module--learnMore--3dsGV svg{margin-right:.75rem}@media (max-width:1024px){.ApiExplainerSection-module--apiExplainerContainer--1fde_{grid-template-columns:1fr;grid-gap:3rem 0;margin:0 auto;max-width:600px}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--left--3wz5i .ApiExplainerSection-module--well--OyNpB{max-width:600px}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--left--3wz5i .ApiExplainerSection-module--purpleBox--mA4zS{max-width:100%}.ApiExplainerSection-module--apiExplainerContainer--1fde_ .ApiExplainerSection-module--right--2vblo{grid-row:1;padding:0 20px}}.Tip-module--tipContent--270mS{margin:5rem 0;text-align:center;display:block}.Tip-module--grid--19H7r{display:grid}.Tooltip-module--tooltipContainer--15s8H{display:inline-block;font-size:12rem;margin-left:.5rem}.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltip--3yX6y{background:#333;border-radius:100%;width:.9rem;height:.9rem;position:relative;color:#fff;cursor:pointer}.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltip--3yX6y p{text-align:center;position:absolute;left:7px;top:-5px;font-size:.6rem}.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltipContent--3wpFv{visibility:hidden;width:300px;background-color:#333;color:#fff;text-align:center;border-radius:6px;padding:5px;position:absolute;z-index:1;top:-90px;opacity:0;transition:opacity .3s;transform:translateX(-47.4%);line-height:1rem;font-size:.6rem}.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltipContent--3wpFv:after{content:"";position:absolute;top:100%;left:50%;margin-left:-5px;border:5px solid transparent;border-top-color:#555}.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltip--3yX6y:hover .Tooltip-module--tooltipContent--3wpFv{visibility:visible;opacity:1}@media (max-width:450px){.Tooltip-module--tooltipContainer--15s8H .Tooltip-module--tooltipContent--3wpFv{top:-65px}}@media (max-width:320px){.Tooltip-module--tooltipContainer--15s8H{display:none}}.RealRate-module--heading--SHVkB{text-align:center;margin:6rem 0 3rem}.RealRate-module--realRateContainer--1sb0l{display:grid;grid-template-columns:55% auto;grid-gap:0 5rem;max-width:1350px;width:100%;margin:0 auto 5rem;padding-bottom:5rem}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H{position:relative;display:flex;justify-content:center;align-items:center}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--rateWell--1LugB{z-index:2;height:100%;width:80%;padding:2rem;margin:auto;height:300px}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--rateWell--1LugB .RealRate-module--row--1ofP4{display:flex;justify-content:space-between;margin:1rem 0;font-size:1rem}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--rateWell--1LugB .RealRate-module--row--1ofP4:nth-child(2){color:#333}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--rateWell--1LugB .RealRate-module--row--1ofP4:nth-child(3){color:#333;border-bottom:2px solid #333;display:flex;align-items:center}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--rateWell--1LugB .RealRate-module--row--1ofP4:nth-child(4){font-weight:700;color:var(--purpleThree)}.RealRate-module--realRateContainer--1sb0l .RealRate-module--left--1EZ7H .RealRate-module--purpleBox--2iOr_{position:absolute;background:var(--purpleOne);max-width:1000px;max-height:225px;height:100%;width:100%;z-index:1;border-radius:16px}.RealRate-module--realRateContainer--1sb0l .RealRate-module--right--2qHHC{display:flex;flex-direction:column;justify-content:center}.RealRate-module--realRateContainer--1sb0l .RealRate-module--right--2qHHC h3,.RealRate-module--realRateContainer--1sb0l .RealRate-module--right--2qHHC 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style="color:#333;font-weight:700" href="/">Home</a><a class="Header-module--headerLink--KYyGW" href="/api">API</a></div></header><main><div class="Container-module--container--3DLTW"><div class="Hero-module--heroContainer--Kvm9H"><h1 class="Title-module--extraLarge--15QPb Title-module--title--gpPet">Convert <span class="Hero-module--purple--2XAK0 Hero-module--heroAprApyText--YYY1p">APR</span> to<!-- --> <span class="Hero-module--green--10WUi Hero-module--heroAprApyText--YYY1p">APY</span>.</h1><div class="Hero-module--calculatorContainer--aQGj5"><div class="NumberInput-module--inputContainer--3SKZr"><input type="text" inputMode="numeric" id="aprAmount" name="aprAmount" autoComplete="off" class="NumberInput-module--input--1pcKI NumberInput-module--primaryInput--wEpPi" maxLength="8" value="4.00%"/><span class="NumberInput-module--suffix--1iy8W NumberInput-module--primarySuffix--rj869">APR</span></div><span>compounding</span><style 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data-emotion-css="19bqh2r">.css-19bqh2r{display:inline-block;fill:currentColor;line-height:1;stroke:currentColor;stroke-width:0;}</style><svg height="20" width="20" viewBox="0 0 20 20" aria-hidden="true" focusable="false" class="css-19bqh2r"><path d="M4.516 7.548c0.436-0.446 1.043-0.481 1.576 0l3.908 3.747 3.908-3.747c0.533-0.481 1.141-0.446 1.574 0 0.436 0.445 0.408 1.197 0 1.615-0.406 0.418-4.695 4.502-4.695 4.502-0.217 0.223-0.502 0.335-0.787 0.335s-0.57-0.112-0.789-0.335c0 0-4.287-4.084-4.695-4.502s-0.436-1.17 0-1.615z"></path></svg></div></div></div></div><span>is</span><div class="NumberInput-module--inputContainer--3SKZr"><input type="text" inputMode="numeric" id="apyAmount" name="apyAmount" autoComplete="off" class="NumberInput-module--input--1pcKI NumberInput-module--secondaryInput--1T38J" maxLength="8" value="4.07%"/><span class="NumberInput-module--suffix--1iy8W NumberInput-module--secondarySuffix--gDsa6">APY</span></div></div><div class="Hero-module--infoSectionContainer--2mU_n"><div class="Hero-module--details--P3bDS"><p>Annual Percentage Rate (APR) and Annual Percentage Yield (APY) may seem similar, but knowing the difference and how they are used will help you make better financial decisions.</p><p>Try entering different values in the APR to APY calulcator to see how they’re related.</p></div><div class="Hero-module--wellContent--G2vZu Well-module--well--11EgU"><h2 class="Title-module--medium--2xrrp Title-module--title--gpPet">Equivalent of<!-- --> <span class="Hero-module--purple--2XAK0">4.00%<!-- --> APR</span> at different<br class="Hero-module--break--2hvLP"/> Compounding Frequencies</h2><div class="Hero-module--row--2m9u- Hero-module--tableHeader--37vyr"><span>Compounding Frequency</span><span>APY</span></div><div class="Hero-module--row--2m9u-"><span>Annually</span><span>4.00%</span></div><div class="Hero-module--row--2m9u-"><span>Semi-Annually</span><span>4.04%</span></div><div class="Hero-module--row--2m9u-"><span>Quarterly</span><span>4.06%</span></div><div class="Hero-module--row--2m9u-"><span>Monthly</span><span>4.07%</span></div><div class="Hero-module--row--2m9u-"><span>Weekly</span><span>4.08%</span></div><div class="Hero-module--row--2m9u-"><span>Daily</span><span>4.08%</span></div></div></div></div></div><div><br class="Explanation-module--break--2C3Nd"/><h1 class="Title-module--extraLarge--15QPb Title-module--title--gpPet Explanation-module--header--gyJfv">APR vs APY</h1><div class="Explanation-module--explanationContainer--yL4-K"><div class="Explanation-module--greenBox--3L0m3"></div><div class="Explanation-module--cardWell--3pGpK Well-module--well--11EgU"><h1 class="Title-module--large--VzqLM Title-module--title--gpPet">Annual Percentage Rate (APR)</h1><h2 class="Title-module--small--EPNM5 Title-module--title--gpPet">What is APR?</h2><p>APR (Annual Percentage Rate) is the annual rate of return — expressed as a percentage — before factoring in compound interest. APR only takes into account simple interest. You’ll run into APR most often when considering loan terms, and how much you’ll have to pay to borrow.</p><h2 class="Title-module--small--EPNM5 Title-module--title--gpPet">How do you calculate APR?</h2><p class="Explanation-module--formula--1QHta">APR = [(Fees + Interest)/Principal] x (Number of Years) x 100</p><p>To calculate APR:</p><p><ol><li>Add up all fees and interest to be paid over the life of the loan.</li><li>Divide the total fees and interest by the principal.</li><li>Divide the result by the total period of the loan, in years.</li><li>Multiply the result by 100.</li></ol></p><p>The result is your <strong>Annual Percentage Rate</strong> expressed as a percentage.</p><h3 class="Title-module--small--EPNM5 Title-module--title--gpPet">Example: Calculate Your Daily Credit Card Interest Using APR</h3><p>Let’s say you would like to calculate how much interest will accrue today on your credit card. Your credit card charges 19.00% APR, compounds daily, and has a balance of $1000.</p><ol><li>Express your APR as a decimal by dividing by 100.</li><li>Divide your APR by the number of compounding periods.</li><li>Multiply this number by your credit card balance.</li></ol><p class="Explanation-module--formula--1QHta">Daily Interest Accrued = 1000 x 0.19 / 365</p><p>In this case, your daily interest accrued would be $0.52. This amount would then be added to your balance for tomorrow’s calculation.</p><h4 class="Title-module--small--EPNM5 Title-module--title--gpPet">Try it out!</h4><p>Calculate the interest that will accrue on your real credit card. Get your credit card APR, compounding frequency, and current balance to calulcate how much interest you’ll accrue during the current period.</p></div><div class="Explanation-module--cardWell--3pGpK Well-module--well--11EgU"><h1 class="Title-module--large--VzqLM Title-module--title--gpPet">Annual Percentage Yield (APY)</h1><h2 class="Title-module--small--EPNM5 Title-module--title--gpPet">What is APY?</h2><p>APY (Annual Percentage Yield) is the annual rate of return — expressed as a percentage — once you factor in compound interest. It's a standard evaluation of return based on one year. You'll run into this most often when considering deposit accounts, and how much you'll earn on your deposit.</p><h2 class="Title-module--small--EPNM5 Title-module--title--gpPet">How do you convert APR to APY?</h2><p class="Explanation-module--formula--1QHta">APY = [1 + (APR / Number of Periods)]^(Number of Periods) - 1</p><p>To calculate APY using APR:</p><p><ol><li>Take APR and divide it by the number of compounding periods.</li><li>Add 1 to the result.</li><li>Raise the result by the Number of Compounding Periods.</li><li>Subtract 1 from the result.</li></ol></p><p>The result is your <strong>Annual Percentage Yield</strong> expressed as a percentage.</p><h3 class="Title-module--small--EPNM5 Title-module--title--gpPet">Example: Calculate Interest Earned On A Savings Account</h3><p>Let's say you want to calculate how much interest your savings account will pay you after one year. Your savings account pays 2.00% APY, and you have a balance of $1000.</p><ol><li>Express your APY as a decimal by dividing by 100.</li><li class="Explanation-module--lastItem--tBkm-">Multiply this number by your account balance.</li></ol><p class="Explanation-module--formula--1QHta">Expected Annual Interest = 1000 x 0.02</p><p>In this case, your expected annual interest accrued would be $20.00. Your expected balance at the end of the year would be $1,020.00.<!-- --> </p><h4 class="Title-module--small--EPNM5 Title-module--title--gpPet">Try it out!</h4><p>Calculate your expected annual interest on your savings account balance. Get your APY and your current balance from your bank’s website to calculate how much interest you’ll earn over the year.<!-- --> </p></div></div><h2 class="Title-module--title--gpPet Explanation-module--header--gyJfv">Is APR or APY better?</h2><div class="Explanation-module--compare--2JdjC"><p>Both terms talk about the same concept, so neither is inherently better. However, because APY takes into account compounding interest, it is usually higher than an equivalent APR. Therefore, if you're comparing the same percentage number, with one as APR and one as APY, e.g. 1.00% APR vs 1.00% APY, it's safe to assume that the APR option will represent a larger return for the lender over the course of a year.</p></div></div><h1 class="Title-module--extraLarge--15QPb Title-module--title--gpPet RealRate-module--heading--SHVkB">Real Interest Rate</h1><div class="RealRate-module--realRateContainer--1sb0l"><div class="RealRate-module--left--1EZ7H"><div class="RealRate-module--purpleBox--2iOr_"></div><div class="RealRate-module--rateWell--1LugB Well-module--well--11EgU"><h2 class="Title-module--large--VzqLM Title-module--title--gpPet">My Real Interest Rate</h2><div class="RealRate-module--row--1ofP4"><span>APY</span><span>4.07%</span></div><div class="RealRate-module--row--1ofP4"><span>Inflation Rate (CPI) <div class="Tooltip-module--tooltipContainer--15s8H"><div class="Tooltip-module--tooltip--3yX6y"><p>i</p><span class="Tooltip-module--tooltipContent--3wpFv">The Consumer Price Index (CPI) is a measure of the average change over time in the prices paid by urban consumers for a market basket of consumer goods and services. CPI measurement taken from bls.gov.</span></div></div></span><span>- 8.50%</span></div><div class="RealRate-module--row--1ofP4"><span>Real Interest Rate</span><span>-4.43%</span></div></div></div><div class="RealRate-module--right--2qHHC"><h3 class="Title-module--small--EPNM5 Title-module--title--gpPet">What is inflation?</h3><p>Inflation is the change in prices of everyday goods and services. If inflation increases, then this means that the things you buy are getting more expensive, faster. In the US, it is tracked by the Bureau of Labor Statistics, which it calls the Consumer Price Index.</p><h4 class="Title-module--small--EPNM5 Title-module--title--gpPet">Do you know your Real Interest Rate?</h4><p>Real Interest Rate = APY - Inflation Rate</p></div></div></main></div></div><div id="gatsby-announcer" style="position:absolute;top:0;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0, 0, 0, 0);white-space:nowrap;border:0" aria-live="assertive" aria-atomic="true"></div></div><script>
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