{"name":"effective_rate","title":"Effective Rate (APR <-> APY)","category":"finance","description":"Convert a nominal rate to effective annual yield, or back, at any compounding frequency.","price_usd":0.001,"input_schema":{"type":"object","properties":{"mode":{"type":"string","description":"Direction","enum":["to_apy","to_apr"]},"apr":{"type":"number","description":"Nominal annual rate as a decimal (to_apy)"},"apy":{"type":"number","description":"Effective annual yield as a decimal (to_apr)"},"periods":{"type":"number","description":"Compounding periods per year, or 'continuous' (default 12)"}},"additionalProperties":false}}