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Use this calculator to see if you8217;re on track to meet your investment goal. APY, a commonly used acronym for annual percentage yield, is the rate earned on an investment in a year, taking into account the effects of compounding interest. APY is calculated using this formula: APY= (1 r/n )n – 1, where 8220;r8221; is the stated annual interest rate and 8220;n8221; is the number of compounding periods each year. APY is also sometimes called the effective annual rate, or EAR. Please contact me if you continue to see this error (error: "xhr.status"). Calculate the interest that will accrue on your real credit card. Get your credit card APR, compounding frequency, and current balance to calulcate how much interest you’ll accrue during the current period.