1:"$Sreact.fragment"
2:I[10156,[],""]
3:I[6746,[],""]
4:I[32046,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"PreloadChunks"]
5:I[56699,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
6:I[76837,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
7:I[32043,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"default"]
8:I[67821,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],""]
1b:I[14600,[],"default",1]
:HL["/_next/static/media/849c382dee069680-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/media/e4af272ccee01ff0-s.p.woff2","font",{"crossOrigin":"","type":"font/woff2"}]
:HL["/_next/static/css/60d9b09af57ce3c6.css","style"]
:HL["/_next/static/css/9c59f2e83b7f05d1.css","style"]
0:{"P":null,"c":["","calculators","finance","apy-calculator.rsc"],"q":"","i":false,"f":[[["",{"children":["(frontend)",{"children":["calculators",{"children":[["category","finance","d",null],{"children":[["slug","apy-calculator","d",null],{"children":["__PAGE__",{}]}]}]}]},"$undefined","$undefined",16]}],[["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":404}],["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]]}]}]],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]]}],{"children":[["$","$1","c",{"children":[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/css/60d9b09af57ce3c6.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}],["$","link","1",{"rel":"stylesheet","href":"/_next/static/css/9c59f2e83b7f05d1.css","precedence":"next","crossOrigin":"$undefined","nonce":"$undefined"}]],["$","html",null,{"lang":"en","data-scroll-behavior":"smooth","children":[[["$","$L4",null,{"moduleIds":["app/(frontend)/layout.tsx -> #/ui/crisp"]}],["$","$L5",null,{}]],["$","body",null,{"className":"bg-white antialiased dark:bg-mist-950 __variable_f367f3 __variable_008b00","suppressHydrationWarning":true,"children":[["$","div",null,{"className":"flex min-h-screen flex-col justify-between","children":[["$","$L6",null,{}],["$","$L7",null,{"children":["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","main",null,{"className":"isolate overflow-clip","children":["$","section",null,{"className":"py-16","children":["$","div",null,{"className":"mx-auto w-full max-w-2xl px-6 md:max-w-3xl lg:max-w-7xl lg:px-10 flex flex-col items-center gap-6","children":[["$","h1",null,{"className":"font-display text-5xl/12 tracking-tight text-balance sm:text-[5rem]/20 text-mist-950 dark:text-white max-w-5xl text-center","children":"Page not found"}],["$","div",null,{"className":"text-lg/8 text-mist-700 dark:text-mist-400 max-w-xl text-center","children":["$","p",null,{"children":"Sorry, the page you were looking for could not be found."}]}],["$","$L8",null,{"href":"/","className":"inline-flex items-center gap-2 text-sm/7 font-medium text-mist-950 dark:text-white","children":["Go back home ",["$","svg",null,{"width":13,"height":7,"viewBox":"0 0 13 7","fill":"none","strokeWidth":1,"role":"image","className":"inline-block","children":[["$","path",null,{"d":"M12.5049 3.49512L0.504883 3.49512","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round"}],["$","path",null,{"d":"M9.5 6.5L12.5 3.5L9.5 0.5","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round"}]]}]]}]]}]}]}],[]],"forbidden":"$undefined","unauthorized":"$undefined"}]}],["$","footer",null,{"children":["$","div",null,{"className":"bg-mist-950/2.5 py-16 text-mist-950 dark:bg-white/5 dark:text-white","children":["$","div",null,{"className":"mx-auto w-full max-w-2xl px-6 md:max-w-3xl lg:max-w-7xl lg:px-10 flex flex-col gap-12","children":[["$","div",null,{"className":"flex flex-col items-start justify-between gap-6 sm:flex-row","children":[["$","div",null,{"className":"flex flex-col items-start gap-2","children":[["$","$L8",null,{"href":"/","children":["$","svg",null,{"className":"h-5 w-auto","xmlns":"http://www.w3.org/2000/svg","width":742,"height":68,"viewBox":"0 0 742 68","fill":"none","children":[["$","path",null,{"fill":"#161616","d":"M129.5 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-11.8v-4.8c-1.4 3-6.3 5.5-11.5 5.5-12.9 0-23.4-10.4-23.4-23.4Zm35 0c0-6.7-4.8-11.9-11.5-11.9s-11.7 5.2-11.7 11.9 5 11.9 11.7 11.9c6.7 0 11.5-5.2 11.5-11.9ZM181.2 41.4c0-13 10.4-23.4 23.4-23.4 13 0 19.8 7.2 22.5 16.9h-12.5c-2-3.3-5.5-5.4-9.9-5.4-6.7 0-11.7 5.2-11.7 11.9s5 11.9 11.7 11.9c6.7 0 7.4-2 9.5-5H227c-2.9 9.6-11.8 16.5-22.4 16.5-10.6 0-23.4-10.4-23.4-23.4ZM248.3 30.3v12.4c0 7.3 2.4 10.2 8.2 10.2v11.5c-11.6 0-19.9-6.4-19.9-21.7V30.3h-6.7V18.8h6.6V1.1h11.8v17.7h8.3v11.5H248.3ZM274 18.7h-11.8V64H274V18.7ZM277.8 18.7h12.3l10.3 29.8 10.4-29.8h12.3L306.2 64h-11.8l-16.8-45.3h.2ZM345.8 18c11.2 0 23.2 8 23.7 22.4 0 2.1 0 4.1-.4 5.6h-33.6c1.1 4.5 5.1 7.3 10.3 7.3 5.2 0 6.3-1.5 7.8-2.6h14c-3.6 8.3-11.9 14.1-21.5 14.1s-23.4-10.4-23.4-23.3 10-23.5 23-23.5h.1Zm11 18.6c-1.8-4.3-6.2-7.1-10.7-7.1-4.5 0-8.9 2.8-10.7 7.1h21.4Z"}],"$L9","$La","$Lb","$Lc","$Ld","$Le"]}]}],"$Lf"]}],"$L10"]}],"$L11","$L12"]}]}]}]]}],"$L13"]}],"$L14"]}]]}],{"children":["$L15",{"children":["$L16",{"children":["$L17",{"children":["$L18",{},null,false,null]},null,false,"$@19"]},null,false,"$@19"]},null,false,"$@19"]},null,false,null]},null,false,"$@19"],"$L1a",false]],"m":"$undefined","G":["$1b",[]],"S":true,"h":null,"b":"rsQZDzaNhmYv0ywOYVd1z"}
1d:I[14245,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","104","static/chunks/104-e8a10a728f64230d.js","3374","static/chunks/3374-cffcb39c106cc278.js","6344","static/chunks/6344-f0148458c0499269.js","4039","static/chunks/4039-57004f19cabb428d.js","2043","static/chunks/2043-cb8fa44c52a8f8b9.js","9559","static/chunks/app/(frontend)/layout-f1654a8743c45d75.js"],"Button"]
23:I[19592,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","6344","static/chunks/6344-f0148458c0499269.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","2018","static/chunks/app/(frontend)/%5B...slug%5D/page-dcf70230194846a1.js"],""]
24:I[79066,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","6344","static/chunks/6344-f0148458c0499269.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","2018","static/chunks/app/(frontend)/%5B...slug%5D/page-dcf70230194846a1.js"],"GoogleTagManager"]
26:I[85305,[],"OutletBoundary"]
27:"$Sreact.suspense"
2a:I[85305,[],"ViewportBoundary"]
2c:I[85305,[],"MetadataBoundary"]
1c:T5a9,M373.9 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 16.9 5.3 20.6 12.8h-6.3c-3.2-4.4-8.2-7.3-14.2-7.3-10 0-17.7 7.9-17.7 17.9 0 10 7.9 17.9 17.7 17.9 9.8 0 11.1-3 14.2-7.3h6.4c-3.7 7.6-11.6 12.9-20.8 12.9-9.2 0-23.4-10.4-23.4-23.4l.1-.1ZM422.7 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-5.8v-9.7c-3 6-9.8 10.4-17.5 10.4-12.9 0-23.4-10.4-23.4-23.4Zm41 0c0-10-7.5-17.9-17.5-17.9s-17.7 7.9-17.7 17.9c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9ZM475.7 64.1V.7h5.8v63.4h-5.8ZM486.5 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 16.9 5.3 20.6 12.8h-6.3c-3.2-4.4-8.2-7.3-14.2-7.3-10 0-17.7 7.9-17.7 17.9 0 10 7.9 17.9 17.7 17.9 9.8 0 11.1-3 14.2-7.3h6.4c-3.7 7.6-11.6 12.9-20.8 12.9-9.2 0-23.4-10.4-23.4-23.4l.1-.1ZM575.6 18.7v23.8c0 15.2-8.3 22.2-19.9 22.2-11.6 0-19.9-7-19.9-22.2V18.7h5.8v23.8c0 11.3 5.7 16.7 14.1 16.7 8.4 0 14.1-5.3 14.1-16.7V18.7h5.8ZM581.9 64.1V.7h5.8v63.4h-5.8ZM592.7 41.4c0-13 10.5-23.4 23.4-23.4 12.9 0 23.3 10.4 23.3 23.4v22.7h-5.8v-9.7c-3 6-9.8 10.4-17.5 10.4-12.9 0-23.4-10.4-23.4-23.4Zm41 0c0-10-7.5-17.9-17.5-17.9s-17.7 7.9-17.7 17.9c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9ZM652.5 24.3v18.2c0 10.1 4.4 15.1 11.4 16.2v5.6c-10.2-1-17.2-7.8-17.2-21.7V24.2h-6.8v-5.5h6.8V4.4h5.8v14.3h11.4v5.5h-11.4v.1ZM712 41.4c0 13-10.4 23.4-23.4 23.4-13 0-23.4-10.4-23.4-23.4 0-13 10.5-23.4 23.4-23.4 12.9 0 23.4 10.4 23.4 23.4Zm-41 0c0 10 7.9 17.9 17.7 17.9 9.8 0 17.5-7.9 17.5-17.9 0-10-7.5-17.9-17.5-17.9S671 31.4 671 41.4Z9:["$","path",null,{"fill":"#262626","d":"$1c"}]
a:["$","path",null,{"fill":"#09C269","d":"M274 1.1h-11.8v11.8H274V1.1Z"}]
b:["$","path",null,{"fill":"#161616","d":"M248.2 1.1v17.6L236.4 1.1h11.8Z"}]
c:["$","path",null,{"fill":"#09C269","d":"M65.2 47.1c-4.1-5.4-2.8-11.8-4.4-18-1.1-4.2-3.1-8.2-5.8-11.6-.7-.9-1.5-1.8-2.3-2.6-5.6-5.6-13.3-9-21.8-9C13.1 5.9-1.1 21 .2 39c1.3 18 13 26.9 27.9 28.2 9.6.8 18.4-2.8 24.6-9l-.4-.4c-3-3.8-5.1-8-6.3-12.6-3.3 5.7-9.7 9.4-16.8 8.7-8.1-.8-14.7-7.3-15.6-15.3-.9-8 7-19.4 17.3-19.4S43 22.7 46 27.9c2.6 4.6 2 9.6 3 14.6.9 4.8 2.9 9.3 6 13.2 5.6 7.1 14.3 11.6 24 11.6h30.8V55.2H82.1c-6.3 0-12.4-2.7-16.4-7.5-.2-.2-.4-.5-.6-.7l.1.1Z"}]
d:["$","path",null,{"fill":"#09C269","d":"M64 27.9c3-5.2 8.6-8.8 15.1-8.8 9.6 0 17.4 7.8 17.4 17.4h13.4c0-17-13.8-30.8-30.8-30.8s-16.2 3.5-21.8 9.1l.4.5c3 3.8 5.1 8 6.3 12.6Z"}]
e:["$","path",null,{"fill":"#262626","d":"M717.3 40.6c0-15.5 7.9-22.6 19.1-22.6h1.4v5.7h-1.4c-7.8 0-13.1 5.4-13.1 16.9v24.2h-6V40.6Z"}]
f:["$","p",null,{"className":"text-sm text-mist-600 dark:text-mist-400","children":"Interactive calculators that convert visitors into leads."}]
10:["$","$L1d",null,{"el":"a","href":"https://app.activecalculator.com/auth/signup","appearance":"default","label":"Get started free","data-umami-event":"click-cta-footer","data-umami-event-location":"footer"}]
11:["$","nav",null,{"className":"grid grid-cols-2 gap-6 text-sm/7 md:grid-cols-4","children":[["$","div","Use Cases",{"children":[["$","h3",null,{"children":"Use Cases"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","E-Commerce & Retail",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/e-commerce","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"E-Commerce & Retail"}]}],["$","li","Finance",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/finance","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Finance"}]}],["$","li","Unit Conversion",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/unit-conversion","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Unit Conversion"}]}],["$","li","Price Quote",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/category/price-quote","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Price Quote"}]}]]}],[["$","div","Industries",{"className":"mt-6","children":[["$","h3",null,{"children":"Industries"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Screen Printing",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/screen-printing","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Screen Printing"}]}],["$","li","Mortgage Brokers",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/mortgage-brokers","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Mortgage Brokers"}]}],["$","li","Solar Energy",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/industries/solar-energy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Solar Energy"}]}]]}]]}]]]}],["$","div","Templates",{"children":[["$","h3",null,{"children":"Templates"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Ad Spend ROI Calculator",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/ad-spend-roi-calculator","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Ad Spend ROI Calculator"}]}],["$","li","Amortization Payment Calculator Canada",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/amortization-payment-calculator-canada","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Amortization Payment Calculator Canada"}]}],["$","li","Amortization Calculator",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/amortization-calculator","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Amortization Calculator"}]}],["$","li","Balloon Loan Calculator Lead Gen",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates/balloon-loan-calculator-lead-gen","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Balloon Loan Calculator Lead Gen"}]}]]}],"$undefined"]}],["$","div","Product",{"children":[["$","h3",null,{"children":"Product"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Templates",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/templates","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Templates"}]}],["$","li","Calculators",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/calculators","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Calculators"}]}],["$","li","Pricing",{"className":"text-mist-700 dark:text-mist-400","children":"$L1e"}],"$L1f","$L20","$L21"]}],"$undefined"]}],"$L22"]}]
12:["$","div",null,{"className":"flex flex-col items-start justify-between gap-4 border-t border-mist-950/10 pt-8 text-sm/7 sm:flex-row sm:items-center dark:border-white/10","children":[["$","div",null,{"className":"flex flex-wrap items-center gap-x-4 gap-y-1 text-mist-600 dark:text-mist-500","children":[["$","span",null,{"children":["© ",2026," ActiveCalculator."]}],[["$","$L8","Privacy Policy",{"href":"/privacy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Privacy Policy"}],["$","$L8","Terms of Service",{"href":"/terms","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Terms of Service"}]]]}],["$","div",null,{"className":"flex items-center gap-4","children":[["$","a","X",{"href":"https://twitter.com/activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"X","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"x","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"d":"M13.6833 10.6218L20.2401 3H18.6864L12.9931 9.61788L8.44583 3H3.20117L10.0775 13.0074L3.20117 21H4.75501L10.7673 14.0113L15.5695 21H20.8141L13.6833 10.6218ZM11.5551 13.0956L10.8584 12.0991L5.31488 4.16971H7.7015L12.1752 10.5689L12.8719 11.5655L18.6871 19.8835H16.3005L11.5551 13.0956Z"}]}]}],["$","a","LinkedIn",{"href":"https://linkedin.com/company/activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"LinkedIn","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"linkedin","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"d":"M20.447 20.452h-3.554v-5.569c0-1.328-.027-3.037-1.852-3.037-1.853 0-2.136 1.445-2.136 2.939v5.667H9.351V9h3.414v1.561h.046c.477-.9 1.637-1.85 3.37-1.85 3.601 0 4.267 2.37 4.267 5.455v6.286zM5.337 7.433a2.062 2.062 0 01-2.063-2.065 2.064 2.064 0 112.063 2.065zm1.782 13.019H3.555V9h3.564v11.452zM22.225 0H1.771C.792 0 0 .774 0 1.729v20.542C0 23.227.792 24 1.771 24h20.451C23.2 24 24 23.227 24 22.271V1.729C24 .774 23.2 0 22.222 0h.003z"}]}]}],["$","a","YouTube",{"href":"https://youtube.com/@activecalculator","target":"_blank","rel":"noopener noreferrer","aria-label":"YouTube","data-umami-event":"click-social","data-umami-event-location":"footer","data-umami-event-target":"youtube","className":"text-mist-600 transition-colors *:size-5 hover:text-mist-950 dark:text-mist-500 dark:hover:text-white","children":["$","svg",null,{"width":24,"height":24,"viewBox":"0 0 24 24","fill":"currentColor","role":"image","className":"inline-block","children":["$","path",null,{"fillRule":"evenodd","d":"M19.812 5.418c.861.23 1.538.907 1.768 1.768C21.998 8.746 22 12 22 12s0 3.255-.418 4.814a2.504 2.504 0 0 1-1.768 1.768c-1.56.419-7.814.419-7.814.419s-6.255 0-7.814-.419a2.505 2.505 0 0 1-1.768-1.768C2 15.255 2 12 2 12s0-3.255.417-4.814a2.507 2.507 0 0 1 1.768-1.768C5.744 5 11.998 5 11.998 5s6.255 0 7.814.418ZM15.194 12 10 15V9l5.194 3Z","clipRule":"evenodd"}]}]}]]}]]}]
13:["$","$L23",null,{"defer":true,"src":"https://analytics.selvo.co/script.js","data-website-id":"20975f57-f91a-4d7f-a72e-bc1f75a733ed","strategy":"afterInteractive"}]
14:["$","$L24",null,{"gtmId":"GTM-N55KJQ5L"}]
15:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
16:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
17:["$","$1","c",{"children":[null,["$","$L2",null,{"parallelRouterKey":"children","error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L3",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","forbidden":"$undefined","unauthorized":"$undefined"}]]}]
18:["$","$1","c",{"children":["$L25",null,["$","$L26",null,{"children":["$","$27",null,{"name":"Next.MetadataOutlet","children":"$@28"}]}]]}]
29:[]
19:"$W29"
1a:["$","$1","h",{"children":[null,["$","$L2a",null,{"children":"$L2b"}],["$","div",null,{"hidden":true,"children":["$","$L2c",null,{"children":["$","$27",null,{"name":"Next.Metadata","children":"$L2d"}]}]}],["$","meta",null,{"name":"next-size-adjust","content":""}]]}]
1e:["$","$L8",null,{"href":"/pricing","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Pricing"}]
1f:["$","li","Help",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/help","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Help"}]}]
20:["$","li","API",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://docs.activecalculator.com/api-reference","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"API"}]}]
21:["$","li","Embed SDK JS",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://docs.activecalculator.com/sdks/embed-sdk/overview","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Embed SDK JS"}]}]
22:["$","div","Resources",{"children":[["$","h3",null,{"children":"Resources"}],["$","ul",null,{"role":"list","className":"mt-2 flex flex-col gap-2","children":[["$","li","Terms",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/terms","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Terms"}]}],["$","li","Privacy",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/privacy","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Privacy"}]}],["$","li","Book a Call",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/demo","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Book a Call"}]}],["$","li","Contact",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"/contact","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Contact"}]}],["$","li","Selvo — Help Center Software",{"className":"text-mist-700 dark:text-mist-400","children":["$","$L8",null,{"href":"https://www.selvo.co","target":"_blank","rel":"noopener noreferrer","className":"transition-colors hover:text-mist-950 dark:hover:text-white","children":"Selvo — Help Center Software"}]}]]}],"$undefined"]}]
2b:[["$","meta","0",{"charSet":"utf-8"}],["$","meta","1",{"name":"viewport","content":"width=device-width, initial-scale=1"}],["$","meta","2",{"name":"theme-color","content":"#fff"}]]
2e:T1179,{"@type":"FAQPage","mainEntity":[{"name":"What is APY and how is it different from a simple interest rate?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"APY (Annual Percentage Yield) is your total return over one year, including the effect of compound interest. A simple interest rate—or APR—tells you the base rate before compounding. The practical difference: if a bank pays 5% compounded monthly, your APY is 5.116%. You earn slightly more than the stated rate because you're earning interest on your interest throughout the year. APY captures this; simple interest rates don't."}},{"name":"How do I convert APR to APY myself?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The formula is: APY = (1 + APR/n)^n - 1, where n is compounding periods per year. For 5% APR compounded monthly: APY = (1 + 0.05/12)^12 - 1 = 5.116% Or skip the math and use this calculator—that's what it's here for."}},{"name":"Why do some banks show APR and others show APY?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"For loans, federal law requires banks to disclose APR. For deposits, they can choose. Some banks use APR because it's a rounder number that looks better in ads. Others use APY because it's more accurate (and often slightly higher, which is also good for marketing). Neither is dishonest, but it makes comparison shopping harder. That's why converting everything to APY matters."}},{"name":"Does compounding frequency really make a meaningful difference?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Less than you'd expect. On $10,000 at 5%, daily compounding earns about $12.67 more per year than annual compounding. The jump from monthly to daily? About $1. The interest rate itself matters far more. A 4.5% APY account with daily compounding still earns less than a 5.0% APY account with monthly compounding. Focus on the highest APY—it already factors in compounding frequency."}},{"name":"What's considered a good APY for savings in 2025?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"For high-yield savings accounts, 4.0%+ is solid and 4.5%+ is excellent as of late 2024 heading into 2025. Traditional brick-and-mortar banks typically offer much less—often under 0.5%. These are historically high rates. If your savings account is paying less than 1%, you're likely leaving significant money on the table."}},{"name":"How does APY work differently for CDs versus savings accounts?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"The APY calculation is identical. The difference is that CD rates are locked for your entire term—if rates drop, you keep your higher rate. But if rates rise, you're stuck (or pay a penalty to exit early). Savings account rates can change anytime. Your 4.5% APY today could become 3.5% next month with no warning. CDs trade flexibility for rate certainty."}},{"name":"Is daily compounding really better than monthly?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Technically yes, but barely. At 5% on $10,000, daily compounding earns about $1.05 more per year than monthly compounding. That's less than a cup of coffee. Never choose a lower-APY account just because it compounds daily. The rate matters; the compounding frequency is a rounding error."}},{"name":"If a savings account shows 5% APY, how much will I actually earn on $10,000?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Exactly $500 per year. That's the beauty of APY—it already includes compounding, so the math is simple: $10,000 × 5% = $500 in annual interest. After one year, your balance would be $10,500 (assuming no deposits or withdrawals)."}},{"name":"Do banks calculate APY for me, or do I need to figure it out?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"Banks are required to disclose APY on all deposit accounts. You usually don't need to calculate it yourself. This calculator helps when: a bank only shows APR, you want to verify their math, or you're comparing accounts that use different terminology."}},{"name":"Does APY account for fees?","@type":"Question","acceptedAnswer":{"@type":"Answer","text":"No—APY only reflects interest earned, not fees charged. If an account has a $5 monthly maintenance fee, that eats into your returns. On a $1,000 balance earning 4.5% APY ($45/year), a $5 monthly fee ($60/year) means you're actually losing $15. Always factor in fees separately."}}]}25:[["$","script",null,{"dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"BreadcrumbList\",\"itemListElement\":[{\"name\":\"Home\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com\",\"position\":1},{\"name\":\"Calculators\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators\",\"position\":2},{\"name\":\"Finance\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators/finance\",\"position\":3},{\"name\":\"APY Calculator\",\"@type\":\"ListItem\",\"item\":\"https://activecalculator.com/calculators/finance/apy-calculator\",\"position\":4}]}"},"type":"application/ld+json"}],["$","script",null,{"dangerouslySetInnerHTML":{"__html":"{\"@context\":\"https://schema.org\",\"@type\":\"Article\",\"name\":\"APY Calculator\",\"dateModified\":\"2025-12-16T07:50:03.826Z\",\"description\":\"Calculate your Annual Percentage Yield (APY) from APR and see how compounding frequency affects your savings. Compare bank offers with real numbers.\",\"author\":{\"name\":\"ActiveCalculator\",\"@type\":\"Organization\"},\"datePublished\":\"2025-12-16T07:42:33.153Z\",\"headline\":\"APY Calculator\",\"image\":\"https://activecalculator.com/api/og/calculator?title=APY%20Calculator\",\"mainEntityOfPage\":{\"@id\":\"https://activecalculator.com/calculators/finance/apy-calculator\",\"@type\":\"WebPage\"},\"publisher\":{\"name\":\"ActiveCalculator\",\"@type\":\"Organization\",\"logo\":{\"@type\":\"ImageObject\",\"height\":112,\"url\":\"https://activecalculator.com/logo.png\",\"width\":112}},\"keywords\":\"APY Calculator, tool, Finance, Finance calculator\",\"url\":\"https://activecalculator.com/calculators/finance/apy-calculator\"}"},"type":"application/ld+json"}],["$","script",null,{"dangerouslySetInnerHTML":{"__html":"$2e"},"type":"application/ld+json"}],"$L2f"]
30:I[65569,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"JumplistProvider"]
31:I[52456,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"RichText"]
32:I[52924,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"ShareButtons"]
33:I[56472,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"RenderBlocks"]
36:I[62540,[],"IconMark"]
2f:["$","div",null,{"className":"min-h-screen bg-white","children":["$","$L30",null,{"children":["$","div",null,{"className":"py-10 lg:py-12 container","children":[["$","div",null,{"className":"mb-6","children":["$","div",null,{"className":"flex items-center flex-wrap gap-1 text-mist-600","children":[["$","$L8",null,{"className":"typo-small font-medium hover:text-blue-600 transition-colors duration-200","href":"/calculators","children":"Calculators"}],["$","svg",null,{"className":"text-mist-600","fill":"none","height":"16","stroke":"currentColor","strokeLinecap":"round","strokeLinejoin":"round","strokeWidth":"2","viewBox":"0 0 24 24","width":"16","xmlns":"http://www.w3.org/2000/svg","children":["$","polyline",null,{"points":"9 18 15 12 9 6"}]}],["$","$L8",null,{"className":"typo-small font-medium hover:text-blue-600 transition-colors duration-200","href":"/calculators/finance","children":"Finance"}]]}]}],["$","div",null,{"className":"mb-8","children":[["$","h1",null,{"className":"typo-title mb-4 text-mist-950","children":"APY Calculator"}],["$","div",null,{"className":"text-mist-600 typo-normal max-w-2xl mb-4","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Convert APR to APY and see exactly what your savings will earn. Compare bank offers fairly, understand how compounding frequency affects your returns, and make smarter decisions about high-yield savings accounts and CDs.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}],["$","div",null,{"className":"flex mt-4","children":["$","$L32",null,{"variant":"full","title":"APY Calculator"}]}]]}],false,["$","div",null,{"className":"grid grid-cols-1 lg:grid-cols-6 gap-8","children":[["$","div",null,{"className":"lg:col-span-4","children":[["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8 mb-6","children":["$","$L33",null,{"blocks":[{"blockType":"blogContent","blogContentFields":{"settings":{"background":"default","paddingTop":"medium","paddingBottom":"medium"},"richText":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY Calculator - Convert APR to Annual Percentage Yield","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h1"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"If you've ever looked at two savings accounts both advertising \"5% interest\" and wondered why they pay different amounts, you're not alone. The difference usually comes down to APY versus APR—and it can mean real money.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"This APY calculator converts APR (Annual Percentage Rate) to APY (Annual Percentage Yield) so you can compare savings accounts, CDs, and money market accounts on equal footing. Enter your interest rate and compounding frequency, and you'll see exactly what your money will actually earn—not what the marketing materials suggest.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"No more mental math. No more guessing which bank offer is better. Just clear answers.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"What is APY?","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY stands for Annual Percentage Yield. It tells you the total interest you'll earn on a deposit over one year, expressed as a percentage—including the effect of compound interest.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Here's why that matters: when a bank pays you interest monthly, each payment gets added to your balance. The next month, you earn interest on that slightly larger amount. By year's end, you've earned more than the base rate would suggest.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY wraps up all that compounding into one number. When you see APY, you're seeing your real return—no extra math required.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY vs APR: Why This Confusion Costs You Money","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Banks don't make this easy. Some show APR, others show APY, and unless you know the difference, you can't compare them fairly.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"APR (Annual Percentage Rate)","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" is the base interest rate before compounding. It's the simpler number.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"APY (Annual Percentage Yield)","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" is what you actually earn after compounding does its work. It's always equal to or higher than APR.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"A real example:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" 5% APR compounded monthly works out to 5.116% APY. Sounds like a tiny difference, right? On $50,000, that's an extra $58 per year. Over five years, you'd miss nearly $300 by ignoring this distinction.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Why do banks make this confusing?","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For loans, APR is legally required (and makes loans look cheaper)","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For savings, banks can choose—and \"5.00% APR\" looks cleaner than \"5.116% APY\"","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":2},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Some banks genuinely use APR out of convention, not deception","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":3}],"direction":null,"format":"","indent":0,"type":"list","version":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Don't feel bad if this has confused you before. The terminology isn't intuitive, and banks benefit from that confusion. The fix is simple: always compare APY to APY. If a bank only shows APR, run it through this calculator first.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"How Compounding Frequency Affects Your Returns","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"More frequent compounding means higher APY. But here's what that actually looks like in dollars:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Compounding ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":3,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Times/Year","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,000 After 1 Year","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Extra vs Annual","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Annually ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"1 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.000%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,500.00","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"— ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Semi-Annually","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"2 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.063%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,506.25 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"+$6.25","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1,"height":69},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Quarterly ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.095%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,509.45","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"+$9.45","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Monthly ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"12 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.116%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,511.62","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"+$11.62","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1,"height":45},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Weekly ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"52 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.125%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,512.46","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"+$12.46","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Daily ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"365 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.127%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"$$10,512.67","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"+$12.67 ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1}],"direction":"ltr","format":"","indent":0,"type":"table","version":1,"colWidths":[92,92,92,92,92]},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"What this actually means:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Daily compounding earns about $12.67 more per year than annual compounding on $10,000 at 5%. That works out to roughly $1.27 extra per $1,000 deposited.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Here's the honest truth: compounding frequency matters less than most people think. The difference between daily and monthly compounding is about $1 per year on $10,000. The difference between a 4.5% APY and a 5.0% APY is $50.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Most online savings accounts already compound daily. Focus your energy on finding the highest APY—that's where the real money is.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"How to Use This Calculator","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Step 1: Enter Your Initial Deposit","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Type in the amount you're starting with. This could be money you're planning to deposit or a balance you already have.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Step 2: Enter the Annual Percentage Rate (APR)","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" This is the interest rate the bank advertises. Look for it in the account details or promotional materials. If they're showing APY instead, you can enter that directly to see your projected growth.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Step 3: Select Compounding Frequency","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Choose how often interest gets calculated and added to your account:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Daily","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – Standard for most online high-yield savings accounts","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Monthly","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – Common at traditional banks and for many CDs","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":2},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Quarterly","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – Less common today, sometimes seen on older accounts","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":3},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Annually","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – Rare for savings accounts, occasionally used for certain bonds","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":4}],"direction":null,"format":"","indent":0,"type":"list","version":1,"textFormat":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Not sure? Check your account terms or assume monthly—it's a reasonable middle ground.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Step 4: Enter Investment Term","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" How many months do you plan to keep this money deposited? Enter the number here.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Step 5: Read Your Results","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" The calculator shows you two key numbers:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"APY","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – Your effective annual return, accounting for compounding","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":1},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Final Balance","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" – The total you'll have when your term ends, including all interest earned","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"textFormat":1,"value":2}],"direction":null,"format":"","indent":0,"type":"list","version":1,"textFormat":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Understanding Your Results","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Annual Percentage Yield (APY):","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" This single number tells you everything. Higher APY = more money. When comparing bank accounts, the one with higher APY wins—no additional analysis needed.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Final Balance:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" This is your total at the end of the investment term. For anything longer than a year, watch how compounding accelerates your growth:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"$$10,000 at 5% APY grows to:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"1 year: $10,500","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":1},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"3 years: $11,576","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":2},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5 years: $12,763","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":3},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"10 years: $16,289","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"listitem","version":1,"value":4}],"direction":null,"format":"","indent":0,"type":"list","version":1,"listType":"bullet","start":1,"tag":"ul"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Notice something? You earned $2,263 in years 1-5, but $3,526 in years 5-10—even though the rate stayed the same. That's compound interest working harder as your balance grows. Time is the secret ingredient.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"What's a Good APY Right Now?","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Rates shift constantly, but here's a realistic benchmark for late 2024 into 2025:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Account Type ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":3,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Decent ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Good ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Excellent ","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":1,"rowSpan":1}],"direction":"ltr","format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"High-Yield Savings","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"3.5%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.0%+ ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.5%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"1-Year CD","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.0%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.5%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"5.0%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Money Market","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"3.5%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.0%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"4.5%+ ","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1},{"children":[{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Traditional Bank Savings","type":"text","version":1}],"direction":"ltr","format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":"ltr","format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":2,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"0.3%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"0.5%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1},{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"1.0%+","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"tablecell","version":1,"backgroundColor":null,"colSpan":1,"headerState":0,"rowSpan":1}],"direction":null,"format":"","indent":0,"type":"tablerow","version":1}],"direction":"ltr","format":"","indent":0,"type":"table","version":1,"colWidths":[92,92,92,92]},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"Some perspective:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" These rates are historically high. For most of the 2010s, the average savings account paid around 0.06% APY. If you're still earning less than 1% at a traditional bank, switching to an online high-yield savings account could multiply your interest income by 40x or more.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"The tradeoff with online banks:","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Higher rates, but no physical branches. For an emergency fund you rarely touch, that's usually a fair deal. You can always keep a small checking balance at a local bank for cash access.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Tips for Maximizing Your Returns","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"heading","version":1,"tag":"h2"},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"You came here for practical advice, so here's what actually moves the needle:","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"1. Always compare APY—never APR","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" This calculator exists because banks don't make apples-to-apples comparison easy. Convert everything to APY before deciding.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"2. Read the fine print on rate tiers","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" \"Earn 5.0% APY!\" sounds great until you discover that rate only applies to balances under $5,000. Larger balances might earn 3.5%. Check what rate applies to your actual deposit size.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"3. Ask about promotional rate expiration","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" That eye-catching 5.25% APY might drop to 3.5% after the first six months. Before opening an account, ask: \"What's the rate after the promotional period ends?\"","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"4. Consider CDs if you won't need the money","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" CDs typically pay 0.25-0.50% more than savings accounts because you're committing to leave the money alone. If you have funds you genuinely won't touch for 6-12 months, the higher rate might be worth it.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"5. Don't overthink small differences","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Moving $10,000 from a 4.50% account to a 4.55% account earns you an extra $5 per year. That's probably not worth an hour of paperwork and a new tax form. Save your energy for rate differences of 0.25% or more.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""},{"children":[{"detail":0,"format":1,"mode":"normal","style":"","text":"6. Set a calendar reminder to rate-check annually","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":" Banks change rates. The account that was best last year might be mediocre now. A quick annual comparison keeps you earning competitively without constant monitoring.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":1,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1,"textFormat":1}}},"id":"69410d695ae8e0000457fefc"}]}]}],"$L34"]}],"$L35"]}]]}]}]}]
28:null
2d:[["$","title","0",{"children":"APY Calculator | Convert APR to Annual Percentage Yield"}],["$","meta","1",{"name":"description","content":"Calculate your Annual Percentage Yield (APY) from APR and see how compounding frequency affects your savings. Compare bank offers with real numbers."}],["$","link","2",{"rel":"canonical","href":"https://activecalculator.com/calculators/finance/apy-calculator"}],["$","meta","3",{"property":"og:title","content":"APY Calculator | Convert APR to Annual Percentage Yield"}],["$","meta","4",{"property":"og:description","content":"Calculate your Annual Percentage Yield (APY) from APR and see how compounding frequency affects your savings. Compare bank offers with real numbers."}],["$","meta","5",{"property":"og:url","content":"https://activecalculator.com/calculators/finance/apy-calculator"}],["$","meta","6",{"property":"og:site_name","content":"ActiveCalculator"}],["$","meta","7",{"property":"og:locale","content":"en_US"}],["$","meta","8",{"property":"og:image","content":"https://activecalculator.com/api/og/calculator?title=APY%20Calculator"}],["$","meta","9",{"property":"og:image:width","content":"1200"}],["$","meta","10",{"property":"og:image:height","content":"630"}],["$","meta","11",{"property":"og:image:alt","content":"APY Calculator | Convert APR to Annual Percentage Yield"}],["$","meta","12",{"property":"og:type","content":"website"}],["$","meta","13",{"name":"twitter:card","content":"summary_large_image"}],["$","meta","14",{"name":"twitter:site","content":"@activecalculator"}],["$","meta","15",{"name":"twitter:creator","content":"@activecalculator"}],["$","meta","16",{"name":"twitter:title","content":"APY Calculator | Convert APR to Annual Percentage Yield"}],["$","meta","17",{"name":"twitter:description","content":"Calculate your Annual Percentage Yield (APY) from APR and see how compounding frequency affects your savings. Compare bank offers with real numbers."}],["$","meta","18",{"name":"twitter:image","content":"https://activecalculator.com/api/og/calculator?title=APY%20Calculator"}],["$","link","19",{"rel":"icon","href":"/favicon.ico?756f06c5b2066fec","type":"image/x-icon","sizes":"48x48"}],["$","$L36","20",{}]]
3d:I[51318,["9310","static/chunks/f8d55a4d-f82e876c81147bfd.js","6956","static/chunks/66a6e935-aee5d3cb85c323ac.js","7821","static/chunks/7821-fecf606f47f1f58d.js","8963","static/chunks/8963-69c253eec8d741c5.js","9858","static/chunks/9858-f1918ded0530ca69.js","609","static/chunks/609-95e41ae6a69b88b2.js","2456","static/chunks/2456-94cb89c116d69dd0.js","994","static/chunks/994-2c56ebb2d663b523.js","6472","static/chunks/6472-2ee935ddbae5821a.js","3349","static/chunks/app/(frontend)/calculators/%5Bcategory%5D/%5Bslug%5D/page-70bb6ad84377852d.js"],"Calculator"]
34:["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-8","children":[["$","h2",null,{"className":"typo-large mb-6 text-mist-950","children":"Frequently Asked Questions"}],["$","div",null,{"className":"space-y-6","children":[["$","div","0",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What is APY and how is it different from a simple interest rate?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"APY (Annual Percentage Yield) is your total return over one year, including the effect of compound interest. A simple interest rate—or APR—tells you the base rate before compounding.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The practical difference: if a bank pays 5% compounded monthly, your APY is 5.116%. You earn slightly more than the stated rate because you're earning interest on your interest throughout the year. APY captures this; simple interest rates don't.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","1",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How do I convert APR to APY myself?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The formula is: ","type":"text","version":1},{"detail":0,"format":1,"mode":"normal","style":"","text":"APY = (1 + APR/n)^n - 1","type":"text","version":1},{"detail":0,"format":0,"mode":"normal","style":"","text":", where n is compounding periods per year.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For 5% APR compounded monthly: APY = (1 + 0.05/12)^12 - 1 = 5.116%","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Or skip the math and use this calculator—that's what it's here for.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","2",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Why do some banks show APR and others show APY?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For loans, federal law requires banks to disclose APR. For deposits, they can choose. Some banks use APR because it's a rounder number that looks better in ads. Others use APY because it's more accurate (and often slightly higher, which is also good for marketing).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Neither is dishonest, but it makes comparison shopping harder. That's why converting everything to APY matters.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],["$","div","3",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does compounding frequency really make a meaningful difference?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Less than you'd expect. On $10,000 at 5%, daily compounding earns about $12.67 more per year than annual compounding. The jump from monthly to daily? About $1.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The interest rate itself matters far more. A 4.5% APY account with daily compounding still earns less than a 5.0% APY account with monthly compounding. Focus on the highest APY—it already factors in compounding frequency.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}],"$L37","$L38","$L39","$L3a","$L3b","$L3c"]}]]}]
35:["$","div",null,{"className":"lg:col-span-2","children":[["$","div",null,{"className":"sticky top-24 mb-6 max-h-[calc(100vh-6rem)] overflow-y-auto space-y-4","children":[["$","$L3d",null,{"className":"rounded-xl shadow-sm","id":"cmj76v7h50002l2047elgbrgr"}],["$","div",null,{"className":"bg-white rounded-lg shadow-sm p-4","children":["$","nav",null,{"aria-label":"Table of contents","children":[["$","h2",null,{"className":"text-lg font-display font-normal mb-4 text-mist-900","children":"Table of Contents"}],["$","ul",null,{"className":"space-y-2.5","children":[["$","li","what-is-apy",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#what-is-apy","children":"What is APY?"}]}],["$","li","apy-vs-apr-why-this-confusion-costs-you-money",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#apy-vs-apr-why-this-confusion-costs-you-money","children":"APY vs APR: Why This Confusion Costs You Money"}]}],["$","li","how-compounding-frequency-affects-your-returns",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#how-compounding-frequency-affects-your-returns","children":"How Compounding Frequency Affects Your Returns"}]}],["$","li","how-to-use-this-calculator",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#how-to-use-this-calculator","children":"How to Use This Calculator"}]}],["$","li","understanding-your-results",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#understanding-your-results","children":"Understanding Your Results"}]}],["$","li","whats-a-good-apy-right-now",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#whats-a-good-apy-right-now","children":"What's a Good APY Right Now?"}]}],["$","li","tips-for-maximizing-your-returns",{"className":"","children":["$","$L8",null,{"className":"block py-1 text-mist-600 hover:text-mist-900 hover:underline transition-colors leading-relaxed text-sm no-underline","href":"#tips-for-maximizing-your-returns","children":"Tips for Maximizing Your Returns"}]}]]}]]}]}]]}],["$","div",null,{"className":"space-y-6","children":false}]]}]
37:["$","div","4",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"What's considered a good APY for savings in 2025?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"For high-yield savings accounts, 4.0%+ is solid and 4.5%+ is excellent as of late 2024 heading into 2025. Traditional brick-and-mortar banks typically offer much less—often under 0.5%.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"These are historically high rates. If your savings account is paying less than 1%, you're likely leaving significant money on the table.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
38:["$","div","5",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"How does APY work differently for CDs versus savings accounts?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"The APY calculation is identical. The difference is that CD rates are locked for your entire term—if rates drop, you keep your higher rate. But if rates rise, you're stuck (or pay a penalty to exit early).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Savings account rates can change anytime. Your 4.5% APY today could become 3.5% next month with no warning. CDs trade flexibility for rate certainty.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
39:["$","div","6",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Is daily compounding really better than monthly?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Technically yes, but barely. At 5% on $10,000, daily compounding earns about $1.05 more per year than monthly compounding. That's less than a cup of coffee.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Never choose a lower-APY account just because it compounds daily. The rate matters; the compounding frequency is a rounding error.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3a:["$","div","7",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"If a savings account shows 5% APY, how much will I actually earn on $10,000?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Exactly $500 per year. That's the beauty of APY—it already includes compounding, so the math is simple: $10,000 × 5% = $500 in annual interest.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"After one year, your balance would be $10,500 (assuming no deposits or withdrawals).","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3b:["$","div","8",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Do banks calculate APY for me, or do I need to figure it out?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"Banks are required to disclose APY on all deposit accounts. You usually don't need to calculate it yourself.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"This calculator helps when: a bank only shows APR, you want to verify their math, or you're comparing accounts that use different terminology.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]
3c:["$","div","9",{"className":"pb-6 last:pb-0","children":[["$","h3",null,{"className":"text-lg font-medium text-mist-950 mb-3","children":"Does APY account for fees?"}],["$","div",null,{"className":"prose max-w-none text-mist-600","children":["$","$L31",null,{"content":{"root":{"children":[{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"No—APY only reflects interest earned, not fees charged. If an account has a $5 monthly maintenance fee, that eats into your returns.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""},{"children":[{"detail":0,"format":0,"mode":"normal","style":"","text":"On a $1,000 balance earning 4.5% APY ($45/year), a $5 monthly fee ($60/year) means you're actually losing $15. Always factor in fees separately.","type":"text","version":1}],"direction":null,"format":"","indent":0,"type":"paragraph","version":1,"textFormat":0,"textStyle":""}],"direction":null,"format":"","indent":0,"type":"root","version":1}}}]}]]}]