curl --request POST \
  --url https://api.iotools.cloud/v1/tool/apy-calculator \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "nominalRate": "5",
  "frequency": "12",
  "initialDeposit": "10000",
  "years": "5",
  "currency": "USD"
}
'

{
  "tool": "apy-calculator",
  "tool_version": "1.0.2",
  "outputs": {
    "summary": [
      {
        "metric": "Nominal Annual Rate (APR)",
        "value": "5.0000%"
      },
      {
        "metric": "Compounding Frequency",
        "value": "Monthly (12x/year)"
      },
      {
        "metric": "Effective Annual Yield (APY)",
        "value": "5.1162%"
      },
      {
        "metric": "APY − APR",
        "value": "0.1162%"
      }
    ],
    "comparison": [
      {
        "frequency": "Annually (1x/year)",
        "apy": "5.0000%"
      },
      {
        "frequency": "Semi-Annually (2x/year)",
        "apy": "5.0625%"
      },
      {
        "frequency": "Quarterly (4x/year)",
        "apy": "5.0945%"
      },
      {
        "frequency": "Monthly (12x/year) (selected)",
        "apy": "5.1162%"
      },
      {
        "frequency": "Weekly (52x/year)",
        "apy": "5.1246%"
      },
      {
        "frequency": "Daily (365x/year)",
        "apy": "5.1267%"
      },
      {
        "frequency": "Continuous",
        "apy": "5.1271%"
      }
    ],
    "projection": [
      {
        "metric": "Initial Deposit",
        "value": "$10,000.00"
      },
      {
        "metric": "Investment Period",
        "value": "5 yr"
      },
      {
        "metric": "Future Value",
        "value": "$12,833.59"
      },
      {
        "metric": "Total Interest Earned",
        "value": "$2,833.59"
      }
    ]
  },
  "credits_used": 5,
  "credits_remaining": null
}