Our effective interest rate calculator gives you effective annual interest rate, given the nominal annual interest rate and the number of compounding periods. This calculates what rates are necessary to achieve the desired future value amount, for a given present value amount and the span of time over which to compound your investment. If you have a loan with a nominal annual interest rate of 7%, and you will be making monthly payments, enter 7% and 12. If you are making quarterly payments, enter 7% and 4.
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