Interest Rate (APR / APY) Regex for Java

What this pattern does

This page provides a well-structured, multi-part regular expression for matching interest rate (apr / apy), ported and verified for Java. Financial data validation has zero tolerance for false negatives — a missed invalid entry can corrupt downstream calculations. The snippet below is ready to drop into your Java project — whether you're validating in a Spring Boot controller, a Jakarta EE service, or a standalone utility class.

Java Implementation

// Interest Rate (APR / APY)
// ReDoS-safe | RegexVault — Finance > Currency & Money

import java.util.regex.Pattern;

public class InterestRateAprApyValidator {
    private static final Pattern PATTERN =
        Pattern.compile("^(?:0(?:\\.[0-9]{1,4})?|[1-9][0-9]{0,4}(?:\\.[0-9]{1,4})?)%?$");

    public static boolean validate(String input) {
        return PATTERN.matcher(input).matches();
    }

    // Example
    public static void main(String[] args) {
        System.out.println(validate("0")); // true
    }
}

Test Cases

When to use this pattern

This pattern is drawn from the Finance > Currency & Money category and carries a ReDoS-safe certification. That matters for Java developers because critical in Java applications since the JVM regex engine uses backtracking and is susceptible to ReDoS without careful pattern design. RegexVault audits patterns against known backtracking attack vectors, ensuring you have the necessary context before using this regex in a high-stakes production environment.

Common Pitfalls

Technical Notes

Does not impose an upper bound to accommodate DeFi yields, payday loan rates, or penalty rates that can exceed 100%. Add a domain-specific cap at the application level. APR and APY differ when compounding is applied.