YieldKit

Free APY and effective-rate calculators that run entirely in your browser.

APY, effective-rate, and CD figures are computed in your browser; we never see your account balances.

APY Calculators

Convert a nominal APR to its effective APY for any compounding frequency, and see what you actually earn.

Compare APY across annual, semi-annual, quarterly, monthly, daily, and continuous compounding at one nominal rate.

Project the final value and total interest of a certificate of deposit from its principal, APY, and term.

Estimate a savings balance from a starting amount, monthly contributions, APY, and time — all in your browser.

Find the continuous-compounding APY (the theoretical ceiling) for any nominal rate, computed in your browser.

Given an APY and compounding frequency, back out the implied nominal APR and learn how the terms relate.