余额宝收益率怎样算？
关键字：余额宝收益率怎样算？
余额宝收益率是怎样计算的？余额宝是支付宝打造的一种余额增值服务工具，它主要是通过定投式基金的类型来运营起来的，利用余额宝资金，我们可以在网上随时完成线上支付，资金能够灵活提取。下面我们具体了解一下余额宝收益率的计算方法。
一、七日年化收益率
七日年化收益率是指我们进行一年时间的定投式基金操作，即把钱存进余额宝满一年之后，根据所在基金公司的年收益率来计算，假设2014年余额宝所在基金公司的年收益率为4%，若我们去年存入余额宝的金额总计为2000元，额外收益就是2000*0.04=80元。
二、每万份收益率
每万份收益是指一万份一日的收益，余额宝的基本单位为份，一份为1元，1万份就是1万元，假设现在的每万份收益率是1.80（即万分之1.8），若现时余额宝存款为5000元，意味着每天能额外获得0.9元。
三、余额宝收益率现况
表格为2015年6月25日的余额宝收益率大小，
| 名称 | 收益率 |
| 七日年化收益率 | 3.641% |
| 每万份收益 | 0.9593 |
四、两种余额宝收益率计算方法的区别
余额宝收益率分为七日年化收益率和每万份收益率，是反映货币市场基金收益率两个主要指标，其中七日年化收益率通用于短期指标，反映的是余额宝所在基金公司在过去7天的盈利水平状况，不能反映未来收益高低，而每万份余额宝收益相对于七天年化收益率更具有参考意义，每万份余额宝收益率越高，说明基金公司获取每万份余额宝注资作为基金投入的份额就高，收益率越高，从而传递到投资客户。
本文来源： 大田环球贵金属
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