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Reference table

APY Table: Effective annual yield (APY) by Nominal annual rate

Reference table of effective annual yield (apy) for APY across a range of nominal annual rate values — exact, engine-computed figures you can read off at a glance.

By Aarav Mehta, CFA, MBA Finance · Updated Jun 2026 · 1 min read

This apy reference table shows the effective annual yield (apy) for a range of nominal annual rate values, assuming a compounding frequency of Monthly. Every figure is computed with the same engine that powers our APY Calculator, so the numbers are exact.

Nominal annual rateEffective annual yield (APY)
3%3.042%
6%6.168%
9%9.381%
12%12.683%
18%19.562%
24%26.824%
36%42.576%
6%79.586%
84%125.219%
1%161.304%

How to use this table

Find the row closest to your nominal annual rate and read across to the effective annual yield (apy). For a value between two rows, the real figure sits between them — or enter your exact numbers in the APY Calculator for a precise answer.

Need a value that is not in the table? — the APY Calculator does it instantly, for free, with the formula and a worked example built in.

Continue exploring finance calculators with these tools: SIP Calculator, EMI Calculator, CAGR Calculator, FD Calculator, Effective Annual Rate (EAR) Calculator.

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Frequently asked questions

Each cell is computed with the standard formula using exact arithmetic — the same calculation behind our APY Calculator — so every figure is accurate for the stated assumptions.

Yes. The table covers common nominal annual rate values; for any exact figure, enter your own numbers in the APY Calculator.

Aarav Mehta · CFA, MBA Finance

Aarav reviews every finance formula on CalcHub for accuracy.