fɔːɹ ɛɡzˈæmpəl, ɪf ðə jˈɪɹli pɚsˈɛntɪdʒ ɹˈeɪt wʌz sˈɪks pɚsˈɛnt ˈaɪ.ˈiː. zˈiəɹoʊ.zˈiəɹoʊ sˈɪks, ðˈɛn ˈɑːɹ wʊd biː ɔːɹ zˈiəɹoʊ.fˈaɪv pɚsˈɛnt ˈaɪ.ˈiː. zˈiəɹoʊ.zˈiəɹoʊzˈiəɹoʊ fˈaɪv.
For example, if the yearly percentage rate was 6% (i.e. 0.06), then r would be  or 0.5% (i.e. 0.005).