This effective annual rate (ear) reference table shows the effective annual rate for a range of nominal annual rate values, assuming a compounding periods per year of 12. Every figure is computed with the same engine that powers our Effective Annual Rate (EAR) Calculator, so the numbers are exact.
| Nominal annual rate | Effective annual rate |
|---|---|
| 3% | 3.0416% |
| 6% | 6.1678% |
| 9% | 9.3807% |
| 12% | 12.6825% |
| 18% | 19.5618% |
| 24% | 26.8242% |
| 36% | 42.5761% |
| 6% | 79.5856% |
| 84% | 125.2192% |
| 12% | 213.8428% |
How to use this table
Find the row closest to your nominal annual rate and read across to the effective annual rate. For a value between two rows, the real figure sits between them — or enter your exact numbers in the Effective Annual Rate (EAR) Calculator for a precise answer.
Need a value that is not in the table? — the Effective Annual Rate (EAR) Calculator does it instantly, for free, with the formula and a worked example built in.
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