Tools · rates
APR vs APY converter
Headline percentages are easy to compare—but only when you know whether you are looking at APR or APY. Align quotes before modeling balances in the APY calculator or checking live rows on yield.
For a plain-language walkthrough, read APR vs APY in crypto earn in the Academy.
Convert
Exchanges sometimes quote APR (a nominal annual rate that depends on how often interest compounds) and sometimes quote APY (an effective annual yield after compounding). This tool uses standard discrete compounding math—handy before you plug the same numbers into the APY calculator.
Result
Effective APY (approx.)
8.327757%
Same APR under different compounding schedules
Use this table to see how sensitive the translation is to the compounding assumption—rates on real products can differ when tiers, bonuses, or accrual rules apply.
| Compounding | Effective APY (%) |
|---|---|
| Daily (365/y) | 8.327757% |
| Weekly (52/y) | 8.322047% |
| Monthly (12/y) | 8.299951% |
| Annually (1/y) | 8.00% |
This is a textbook conversion for planning—not a promise that your exchange uses the same accrual calendar or rounding. Always read the product sheet for APR vs APY labeling.
Frequently asked questions
- What is the difference between APR and APY on exchange earn products?
- APR is often quoted as a nominal annual rate before you account for how frequently interest compounds. APY (annual percentage yield) expresses the effective return over a year after compounding. The same APR produces a higher APY when compounding is more frequent, all else equal.
- Why does the converter ask for a compounding assumption?
- To translate APR into APY—or APY back into an equivalent nominal APR—you need a schedule (daily, weekly, monthly, or annually). Real products may follow exchange-specific calendars, so treat the output as an approximation for comparison, not a contractual figure.
- Can I use this for USDT or USDC flexible earn?
- Yes for rough planning. Match whether your row is labeled APR or APY, pick a compounding assumption that is closest to how the product describes accrual, then validate caps, tiers, and redemption rules on the exchange before depositing.
- Where should I go next on BitHunt?
- Use the compound interest calculator for balance projections over time, the stablecoin earn calculator for USDT/USDC/DAI presets with live snapshot rates, and the yield table filtered by asset to compare platforms in context of Financial Safety Score.