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第二種方法是七日年化率，比如妳存10000元，當天七日年化率4.2%，那麽收益就是10000元* 0.042/365 = 1.15。當然，這個七日年化率不是固定的，也是每天都在變化的。其實第壹種方法最直觀，也最容易計算。
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另外，余額寶的收益是復利，也就是說每天的收益是以前壹天的本金加上收益作為當天的本金來計算的，也可以說是復利。今日收益=(前壹日本金+前壹日收益)*利率。