What is APY vs APR?

APR is the simple annual rate; APY includes the compounding of reinvested yield.

APY vs APR in practice

APY = (1 + APR/n)ⁿ − 1. At DeFi-sized rates the gap is large: 50% APR compounded daily is 64.8% APY, so always check which convention a protocol quotes.

Where to see it live

The free APY calculator converts between the two and projects compounded growth at any frequency and horizon.

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