{"uid":"cap_JLq_9070UDZHz57Ni5oFY","slug":"apr-apy-converter-yield-projector-6e6cc52d","name":"APR/APY Converter & Yield Projector","description":"Convert between APR (nominal) and APY (effective) for any compounding frequency, and project yield on an optional principal over a horizon.","url":"https://api.24klabs.ai/api/v1/apr-apy-converter","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"rate":{"type":"number"},"direction":{"type":"string"},"principal":{"type":"number"},"compounds_per_year":{"type":"number"}}},"responseSchema":{"type":"json","example":{"apr_pct":12,"apy_pct":12.68,"projected_value":1126.83}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.002","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_aCOXqrK-O23zrf8PA9rnW","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Converts between APR (nominal) and APY (effective) for any compounding frequency, and optionally projects yield on a principal over a time horizon.","exampleAgentPrompt":"Can you convert a 5.25% APR compounded monthly to its effective APY, and also show me how much I'd earn on a $50,000 principal over 2 years?","exampleUseCases":[{"title":"Savings account yield comparison","prompt":"I'm comparing two savings accounts — one offers 4.8% APR compounded daily and another offers 4.9% APR compounded monthly. Can you convert both to APY so I know which one actually pays more?"},{"title":"Crypto staking return projection","prompt":"If a staking pool advertises 12% APR compounded every hour, what's the real APY, and how much would I earn staking $5,000 for 6 months?"},{"title":"Mortgage or loan rate clarity","prompt":"My lender quoted me a 7.2% APR compounded semi-annually — what's the true APY on that so I can compare it to other offers?"}],"resultDescription":"Returns the converted rate (APR→APY or APY→APR), the compounding frequency used, and — if a principal and horizon are provided — the projected interest earned and total accumulated value over that period.","failureModes":["Invalid or missing rate value returns a validation error","Unsupported compounding frequency enum returns an error listing valid options","Negative principal or zero horizon may return a validation or domain error","Malformed request body returns a 400 bad request"],"whenToPreferThis":"Use this endpoint when you need a precise, formula-based conversion between nominal (APR) and effective (APY) rates for any compounding frequency, especially when you also want to project actual yield on a known principal over a time horizon. Prefer it over manual calculation or LLM math for financial accuracy. Not suited for bond yield-to-maturity, IRR, or complex amortization scenarios.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-13T19:02:24.679Z","isFirstParty":false}