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Effective Annual Rate Calculator

Convert a nominal annual rate to an effective annual rate using the stated compounding frequency. This excludes fees.

Enter your values

%

Use a decimal point, without thousands separators.

Example result
Effective annual rate
12.68250301 %

The initial result uses the example values. Enter your own values and calculate again.

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How it works

Convert a nominal annual rate to an effective annual rate using the stated compounding frequency. This excludes fees.

EAR = [(1+r/n)ⁿ−1] × 100

Worked example

Show example inputs and result

Nominal annual rate: 12 · Compounds per year: 12.

Effective annual rate
12.68250301 %

Questions and answers

Why are some results rounded?

Results display up to 8 decimal places. Calculations use the unrounded values; very small values use scientific notation. JavaScript floating-point arithmetic can introduce tiny rounding differences.

Are my inputs sent to a server?

The calculator processes inputs in your browser. Its code does not send your values to a server.

Method reviewed: October 8, 2026 · Methods & accuracy

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