FinanceFormula-based · Runs in your browser

Equivalent Interest Rate Calculator

Convert a nominal annual rate with one compounding frequency to an equivalent nominal rate with another frequency.

Preparing saved example…

Inputs

Enter the values you know. Optional fields may be left empty.

Local save controls below
Required
%
Required
Required

Result

Updates as valid inputs change.

Calculated locally
Equivalent target nominal rate
Effective annual rate
Source periodic rate
Target periodic rate

Saved locally, explained clearly

Drafts, calculations, scenarios, and workflow progress stay in this browser unless you export them.

Opening local database…

Calculation steps

Follow what happened from the selected formula to the displayed answer.

Show substituted values and intermediate working
Calculate current inputs to see the working.
  1. 1

    Formula selected

    The calculator uses the following formula or method.

    EAR = (1 + j/m)^m − 1; equivalent j₂ = m₂[(1+EAR)^(1/m₂) − 1]

  2. 2

    Values entered

    Your values are placed into the calculation.

    Enter values to see what is used in this step.

  3. 3

    Result calculated

    The formula or method produces the following result values.

    Results will appear after a successful calculation.

  4. 4

    Answer formatted

    Displayed values are rounded and formatted using each output’s configured precision.

Scenario comparison

Save working scenarios, then select two or three to compare. Formula versions and inputs remain visible.

No scenarios saved for this calculator yet.

Recent calculations

Successful calculations are retained locally according to your privacy settings.

No local history for this calculator yet.

Data and privacy

What this calculator does

Convert a nominal annual rate with one compounding frequency to an equivalent nominal rate with another frequency.

How it works

The calculator evaluates EAR = (1 + j/m)^m − 1; equivalent j₂ = m₂[(1+EAR)^(1/m₂) − 1]. Inputs are checked before calculation, and invalid values such as zero denominators or out-of-range selections produce a clear error instead of a misleading result.

Input query strings and outputs

Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.

Input query strings

3
  • ?nominalRate= Source nominal annual rate

    Percentage · Required · Default: 6

  • ?sourceCompounds= Source compounds per year

    Number · Required · Default: 12

  • ?targetCompounds= Target compounds per year

    Number · Required · Default: 4

Outputs

4
  • equivalentNominalRate Equivalent target nominal rate

    Percentage · Primary output

  • effectiveAnnualRate Effective annual rate

    Percentage

  • sourcePeriodicRate Source periodic rate

    Percentage

  • targetPeriodicRate Target periodic rate

    Percentage

Inputs and results

The inputs are Source nominal annual rate, Source compounds per year, Target compounds per year. Results include Equivalent target nominal rate, Effective annual rate, Source periodic rate, Target periodic rate.

Sources
  • No external reference is listed for this calculator. Its formula and variable definitions are shown above.
Limitations
  • Estimates use the rates, timing, and assumptions entered. Fees, taxes, lender rules, and future changes are included only where explicitly shown.