{"id":26857,"date":"2023-06-16T14:56:48","date_gmt":"2023-06-16T14:56:48","guid":{"rendered":"https:\/\/swoopfunding.com\/ca\/?page_id=26857"},"modified":"2026-03-10T09:38:58","modified_gmt":"2026-03-10T09:38:58","slug":"apy-calculator","status":"publish","type":"page","link":"https:\/\/swoopfunding.com\/ca\/business-loan-calculator\/apy-calculator\/","title":{"rendered":"APY calculator"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"26857\" class=\"elementor elementor-26857\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0cc3d73 e-flex e-con-boxed e-con e-parent\" data-id=\"0cc3d73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eefb62 elementor-widget elementor-widget-template\" data-id=\"5eefb62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"40824\" class=\"elementor elementor-40824\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cb78f9a e-flex e-con-boxed e-con e-parent\" data-id=\"7cb78f9a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2ddc5409 e-con-full e-flex e-con e-child\" data-id=\"2ddc5409\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-494fc3a1 elementor-widget elementor-widget-heading\" data-id=\"494fc3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">APY calculator<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc26726 elementor-widget elementor-widget-text-editor\" data-id=\"5dc26726\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tUse our annual percentage yield (APY) calculator to determine the potential earnings or growth of an investment over a year.\u00a0\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a33df elementor-widget__width-inherit elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"53a33df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n<script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n\n\n\n\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"53aa8807dec7e10d38f59f32\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"95px\" data-style-width=\"160px\" data-theme=\"light\" data-token=\"75678bf0-071e-4356-8a6b-93beb5a68f32\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24aed85c elementor-widget elementor-widget-ucaddon_last_updated\" data-id=\"24aed85c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_last_updated.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n<div id=\"last-updated-container\" class=\"\">\n\n <script id=\"last-updated-schema\" type=\"application\/ld+json\">\n        {\n          \"@context\": \"https:\/\/schema.org\",\n          \"@type\": \"Article\",\n          \"headline\": \"APY calculator\",\n          \"image\": [\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683.jpg\"],\n          \"datePublished\": \"2023-06-16T14:56:48+00:00\",\n          \"dateModified\": \"2026-03-10T09:38:58+00:00\",\n          \"author\": [{\n              \"@type\": \"Person\",\n              \"name\": \"Ian Hawkins\",\n              \"url\": \"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\"\n            }]\n        }\n    <\/script>\n \n <div class=\"last-updated view-user\" style=\"justify-content: left;\">\n \n <div class=\"info-left\">\n <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\" aria-label=\"Ian Hawkins\">\n <picture loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"Ian Hawkins\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <\/picture>\n <\/a>\n <\/div>\n \n <div class=\"info-right\">\n <p>Page written by <a href=\"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/\">Ian Hawkins<\/a>. <span>Last reviewed on March 10, 2026<\/span>. <span>Next review due April 1, 2027.\n <\/span>\n <\/p>\n\n <\/div>\n\n <\/div>\n<\/div>\n\n<div id=\"externalTooltipContent\" style=\"display: none;\">\n <div class=\"top-info\">\n <img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp\" data-lazy-src=\"https:\/\/swoopfunding.com\/wp-content\/uploads\/2024\/10\/ian.webp?is-pending-load=1\" alt=\"\" class=\"jetpack-lazy-image\" loading=\"lazy\" width=\"92\" height=\"92\">\n <div class=\"text\">\n <div class=\"name-author\">Ian Hawkins<\/div>\n <div class=\"role-user\">Head of Content<\/div>\n <\/div>\n <\/div>\n <div class=\"description\">Ian Hawkins is Head of Content at Swoop. As a freelance business journalist and filmmaker he has reported from Europe, Central and North America and Africa. His films and writing have appeared on BBC World, Reuters and CBS, and he has spoken at conferences on both sides of the Atlantic on subjects including data, cyber security, and entrepreneurialism.<\/div>\n<\/div>\n\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed25914 elementor-widget elementor-widget-ucaddon_breadcrumbs\" data-id=\"ed25914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t <div id=\"breadcrumbs-container\" class=\"left\">\n <nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><\/p><\/nav> <\/div>\n\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3be5c62d e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"3be5c62d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dffd8a2 elementor-widget elementor-widget-image\" data-id=\"7dffd8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1024\" height=\"682\" src=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg\" class=\"attachment-large size-large wp-image-40823\" alt=\"\" srcset=\"https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-1024x682.jpg 1024w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-300x200.jpg 300w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-768x512.jpg 768w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-30x20.jpg 30w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator-80x53.jpg 80w, https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2026\/03\/image-calculator.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a2df328 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a2df328\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0de743c\" data-id=\"0de743c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7f89b0d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f89b0d\" data-element_type=\"section\" data-e-type=\"section\" id=\"calculator\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-63e224a\" data-id=\"63e224a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-92709e6 elementor-widget elementor-widget-ucaddon_apy_calculator\" data-id=\"92709e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"ucaddon_apy_calculator.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\n\t\t\t\n \n \n <div id=\"apy-calculator\" class=\"form-calculator\" >\n <div class=\"left_column\">\n <form>\n \n <div class=\"form-group\">\n <label for=\"initial-deposit\">Initial deposit<\/label>\n <div class=\"input-group mb-3\">\n <div class=\"input-group-prepend\">\n <span class=\"input-group-text\">$<\/span>\n <\/div>\n <input type=\"text\" id=\"initial-deposit\" name=\"initial-deposit\" class=\"form-control mask-money\" value=\"1000\" aria-label=\"Initial deposit\" inputmode=\"numeric\">\n <div class=\"input-group-append\">\n <span class=\"input-group-text\">.00<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"annual-rate\">Annual percentage rate<\/label>\n <div class=\"tag-number\">\n <span id=\"annual-rate-display\" class=\"value-tag\">-<\/span> %\n <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"annual-rate\" value=\"2.32\" min=\"1\" max=\"10\" step=\"0.01\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <div class=\"label_and_numbers\">\n <label for=\"term\">Term<\/label>\n <div class=\"tag-number\">\n <span id=\"term-display\" class=\"value-tag\">-<\/span> months <\/div>\n <\/div>\n <div class=\"input-group mb-3\">\n <input type=\"range\" class=\"slider\" id=\"term\" value=\"12\" min=\"1\" max=\"36\" step=\"1\">\n <\/div>\n <\/div>\n\n <div class=\"form-group\">\n <label for=\"compound-interval\">Compound interval<\/label>\n <select id=\"compound-interval\" class=\"form-control custom-select-arrow\">\n <option value=\"daily\">Daily<\/option>\n <option value=\"weekly\">Weekly<\/option>\n <option value=\"monthly\">Monthly<\/option>\n <option value=\"quarterly\">Quarterly<\/option>\n <option value=\"half-yearly\">Half-Yearly<\/option>\n <option value=\"yearly\">Yearly<\/option>\n <\/select>\n <\/div>\n\n <\/form>\n\n <p class=\"note-calculator\">This calculator is intended for illustration purposes only and exact payment terms should be agreed with a lender before taking out a loan.<\/p>\n\n <\/div>\n <div class=\"right_column\">\n\n <p class=\"title\">Your results<\/p>\n \n <div class=\"show-number\">\n <p class=\"title-result\">Future investment value<\/p>\n <p class=\"number-result\">$<span id=\"future-value\">-<\/span><\/p>\n <\/div>\n\n <div class=\"show-number\">\n <p class=\"title-result\">Total interest earned<\/p>\n <p class=\"number-result\">$<span id=\"total-interest\">-<\/span><\/p>\n <\/div>\n\n <div class=\"show-number\">\n <p class=\"title-result\">APY<\/p>\n <p class=\"number-result\"><span id=\"apy\">-<\/span><\/p>\n <\/div>\n\n <a href=\"https:\/\/app.swoopfunding.ca\/stage\/\" class=\"btn btn-lg btn-dark btn-block\" target=\"_blank\" rel=\"noopener\">Get a quote<\/a>\n\n <\/div>\n <\/div>\n\n \n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-091ceb5 e-flex e-con-boxed e-con e-parent\" data-id=\"091ceb5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b7c70a elementor-widget elementor-widget-heading\" data-id=\"2b7c70a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Definitions:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2587b elementor-widget elementor-widget-text-editor\" data-id=\"fb2587b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Initial Amount: This is the starting balance or principal investment when you begin saving or investing.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4995,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;}\"><strong>Initial amount:<\/strong> Initial amount is the starting balance or principal investment when you begin saving or investing.<\/span><\/li><li><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Annual Interest: This refers to the rate at which your investment grows or earns returns each year.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:7043,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;14&quot;:{&quot;1&quot;:2,&quot;2&quot;:2105636},&quot;15&quot;:&quot;Arial&quot;}\"><strong>Annual percentage rate:<\/strong> Annual percentage rate refers to the rate at which your investment grows or earns returns each year.<\/span><\/li><li><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Number of Years: The duration for which your investment accumulates returns, influencing the overall growth of your savings.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4995,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;}\"><strong>Term:<\/strong> The duration for which your investment accumulates returns, influencing the overall growth of your savings.<\/span><\/li><li><span data-sheets-root=\"1\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Monthly Deposit: The additional funds you contribute to your investment on a monthly basis, boosting your savings over time.&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:4995,&quot;3&quot;:{&quot;1&quot;:0},&quot;4&quot;:{&quot;1&quot;:2,&quot;2&quot;:16777215},&quot;10&quot;:2,&quot;11&quot;:4,&quot;12&quot;:0,&quot;15&quot;:&quot;Arial&quot;}\"><strong>Compound interval:<\/strong> Compound interval refers to the periodicity at which the interest or returns on an investment are compounded.\u00a0<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-011ff7a elementor-widget elementor-widget-heading\" data-id=\"011ff7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is annual percentage yield?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-477f157 elementor-widget elementor-widget-text-editor\" data-id=\"477f157\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/annual-percentage-yield\/\">Annual Percentage Yield (APY)<\/a> is a financial term that represents the total annual <a href=\"https:\/\/swoopfunding.com\/us\/business-loan-calculator\/rate-of-return-calculator\/\">rate of return<\/a> an investment will earn, taking into account the effects of compounding. It is expressed as a percentage and reflects the actual interest or investment earnings over a year, including the impact of reinvesting those earnings.<\/p><p>Unlike the nominal interest rate, which only considers the flat rate of return without factoring in compounding, APY provides a more accurate measure of the investment&#8217;s growth potential. APY takes into account how frequently the interest or earnings are compounded, such as annually, semi-annually, quarterly, monthly, or even daily.<\/p><p>The APY formula considers both the principal amount (initial investment) and the accumulated interest or earnings. It calculates the interest earned on the principal and any previously accumulated interest, thereby reflecting the compounding effect.<\/p><p>It&#8217;s worth noting that APY assumes the investment remains untouched for the entire year and that the interest or earnings are reinvested. In reality, actual returns may vary due to factors such as market fluctuations, fees, and any early withdrawals or changes to the investment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b17fade elementor-widget elementor-widget-heading\" data-id=\"b17fade\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How to calculate APY on savings?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5d8ec4 elementor-widget elementor-widget-text-editor\" data-id=\"d5d8ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Calculating APY (Annual Percentage Yield) from the principal amount and interest earned with a formula is straightforward.<\/p><p>You can use the following: <strong>APY = (1 + (Interest Earned \/ Principal))^n &#8211; 1<\/strong><\/p><p>Where: <br \/>Interest Earned: The total <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/accrued-interest\/\">interest accrued<\/a> over a specified period. <br \/>Principal: The initial amount of money invested or deposited. <br \/>n: The number of compounding periods per year.<\/p><p>Simply plug in these values into the formula to determine the APY of your investment or <a href=\"https:\/\/swoopfunding.com\/ca\/business-glossary\/savings-account\/\">savings account<\/a>.<\/p><p><span style=\"font-weight: 400;\">For example, if your annual interest rate is 5% and it compounds monthly, the formula would be: <\/span><span style=\"font-weight: 400;\">APY = (1+ 12\/0.05)12 \u2212 1.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-37438d7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"37438d7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70b8083\" data-id=\"70b8083\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6213d84 elementor-widget elementor-widget-heading\" data-id=\"6213d84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cf87e1 align-at-right uael-faq-box-layout-yes elementor-widget elementor-widget-uael-faq\" data-id=\"1cf87e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-faq.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t<div id='uael-faq-wrapper-303' class=\"uael-faq-wrapper\">\n\t\t\t\t<div class=\"uael-faq-container uael-faq-layout-accordion\" data-layout=\"accordion\" >\n\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-18d6be0\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-18d6be0 uael-question-span\" tabindex=\"0\" id=\"uael-faq-1-69e6efcbeb3a1\">How to calculate APY on savings?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p>To calculate APY on savings, utilize the APY calculator or formula mentioned above, inputting your principal amount, interest earned and, and the number of compounding periods per year.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-7395073\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-7395073 uael-question-span\" tabindex=\"0\" id=\"uael-faq-2-69e6efcbeba19\">What is the difference between APY and interest rate?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p>While the interest rate reflects the percentage of interest earned annually, APY considers the effect of compounding on the interest earned, providing a more accurate representation of the true earnings potential of an investment or savings account.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div id=\"uael-accordion-0e7c573\" class=\"uael-faq-accordion\" role=\"tablist\">\n\t\t\t\t\t\t\t\t<div class= \"uael-accordion-title\" aria-expanded=\"false\" role=\"tab\">\n\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon uael-accordion-icon-right\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-closed\"><i class=\"fas fa-angle-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"uael-accordion-icon-opened\"><i class=\"fas fa-angle-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"uael-question-0e7c573 uael-question-span\" tabindex=\"0\" id=\"uael-faq-3-69e6efcbeba82\">What is a good APY for a savings account?<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"uael-accordion-content\" role=\"tabpanel\">\n\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<span><p>A good APY for a savings account typically exceeds the national average and aligns with your financial goals. Higher APYs offer greater returns on your savings, but consider factors such as account fees and accessibility when choosing the right savings account for you.<\/p><\/span>\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a8737e3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"a8737e3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c34cf5\" data-id=\"9c34cf5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div 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*\/\n\n.container-floating-cta a{\n font-weight:700;\n border-style:solid;\n border-width:1px 1px 1px 1px;\n color:#FFFFFF;\n border-radius:50px 50px 50px 50px;\n width:100%;\n text-align:center;\n display:block;\n padding:6px 24px;\n transition:all 0.3s;\n}\n\n.container-floating-cta a:hover{\n background:#fff;\n color:#003E52;\n text-decoration:none;\n}\n\n.trustpilot-widget-floating-cta{\n margin-top:12px;\n}\n\n<\/style>\n\n\t\t\t\n<div class=\"container-floating-cta\">\n <a href=\"#calculator\" class=\"btn-floating-cta\">Calculate now<\/a>\n<\/div>\n\n<div class=\"trustpilot-widget-floating-cta\">\n \n <script type=\"text\/javascript\" src=\"\/\/widget.trustpilot.com\/bootstrap\/v5\/tp.widget.bootstrap.min.js\" async><\/script>\n \n\n \n <div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b732fbfb950b10de65e5\" data-businessunit-id=\"5b437d760db9da00019935a0\" data-style-height=\"24px\" data-style-width=\"100%\" data-theme=\"dark\" data-token=\"6307e816-53aa-4589-828c-b174e8417264\">\n <a href=\"https:\/\/www.trustpilot.com\/review\/swoopfunding.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\n <\/div>\n \n<\/div>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Use our annual percentage yield (APY) calculator to determine the potential earnings or growth of an investment over a year.\u00a0<\/p>\n","protected":false},"author":43,"featured_media":31634,"parent":17791,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-26857","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"featured_image_urls_v2":{"full":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683.jpg",1024,683,false],"thumbnail":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-150x150.jpg",150,150,true],"medium":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-300x200.jpg",300,200,true],"medium_large":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-768x512.jpg",768,512,true],"large":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683.jpg",1024,683,false],"2048x2048":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683.jpg",1024,683,false],"image_blog":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-408x252.jpg",408,252,true],"image_blog_full":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-1024x660.jpg",1024,660,true],"image_podcast":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-397x298.jpg",397,298,true],"image_banking":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-30x20.jpg",30,20,true],"image_blog_internal":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-840x480.jpg",840,480,true],"image_blog_medium":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-1024x500.jpg",1024,500,true],"image_single_banking":["https:\/\/swoopfunding.com\/ca\/wp-content\/uploads\/sites\/2\/2024\/05\/bookkeeper-writing-down-on-paper-while-using-calculator-4476375-1024x683-80x53.jpg",80,53,true]},"post_excerpt_stackable_v2":"<p>Use our annual percentage yield (APY) calculator to determine the potential earnings or growth of an investment over a year.\u00a0<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Ian Hawkins","url":"https:\/\/swoopfunding.com\/ca\/author\/ian-hawkins\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/26857","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/comments?post=26857"}],"version-history":[{"count":33,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/26857\/revisions"}],"predecessor-version":[{"id":40848,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/26857\/revisions\/40848"}],"up":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/pages\/17791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media\/31634"}],"wp:attachment":[{"href":"https:\/\/swoopfunding.com\/ca\/wp-json\/wp\/v2\/media?parent=26857"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}