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FV = Future Value of the investment (including all interest or growth) PV = Present Value (starting amount before any interest, growth, and contributions) R = Interest or Yield Rate. n = Number of periods (number of months, years, etc.) The formula above is to calculate just one period ...Annual percentage yield (APY) is the effective annual rate, or real rate, of return of an investment if the interest earned each period is compounded. APY considers the effects of compounding, since advertised rates are typically the rates of return for simple interest. The formula for APY is as follows: Where: r = Annual interest rate. }