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APR/APY Converter & Yield Projector
x402
APR/APY Converter & Yield Projector is a paid API for AI agents from api.24klabs.ai, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).
Converts between APR (nominal) and APY (effective) for any compounding frequency, and optionally projects yield on a principal over a time horizon.
Price / call$0.002
Success—
StatusUnknown
How this service works
Convert between APR (nominal) and APY (effective) for any compounding frequency, and project yield on an optional principal over a horizon.
Output
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.
Example use cases
Savings account yield comparison
“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?”
Crypto staking return projection
“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?”
Mortgage or loan rate clarity
“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?”
Technical details
Endpoint
POSThttps://api.24klabs.ai/api/v1/apr-apy-converterWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| rate | number | |
| direction | string | |
| principal | number | |
| compounds_per_year | number |
Output
Schema · Response
{
"type": "json",
"example": {
"apr_pct": 12,
"apy_pct": 12.68,
"projected_value": 1126.83
}
}Tags
x402
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