Compare calculators

Both calculators run independently — change the inputs on either side to compare results.

Effective Annual Rate (EAR) Calculator

Convert a stated nominal interest rate into the true annual rate once compounding is included. Use it to compare loans or savings accounts that compound at different frequencies.

Nominal Annual Rate (%)

Compounding Periods per Year (periods)

Financial

Future Value Calculator

Project what a lump sum plus regular yearly contributions will grow to at a given rate of return. Use it to forecast investments, savings plans, and retirement balances.

Present Value (starting amount) ($)

Annual Return Rate (%)

Number of Years (years)

Annual Contribution ($)

Key differences

	Effective Annual Rate (EAR) Calculator	Future Value Calculator
Category	Financial	Financial
Inputs required	2	4
Result	Effective Annual Rate (%)	Future Value ($)
What it does	Convert a stated nominal interest rate into the true annual rate once compounding is included. Use it to compare loans or savings accounts that compound at different frequencies.	Project what a lump sum plus regular yearly contributions will grow to at a given rate of return. Use it to forecast investments, savings plans, and retirement balances.