The two exceptions worth knowing
“Effect” can be a verb meaning “to bring about”: “to effect change”, “the treaty effected a ceasefire”. It’s formal and mostly appears with change, reform or a result.
“Affect” can be a noun in psychology, meaning the outward expression of emotion: “the patient showed flat affect”. You’ll rarely need it outside clinical writing.
Affected and effective
The same pattern carries into other forms. “Affected” is the past of the verb (“we were affected by the storm”) and also means pretentious (“an affected accent”). “Effective” is the adjective from the noun: something that produces the intended result.
Catch it automatically
The grammar checker flags common mix-ups like this one by looking at the words around them, and the sentence checker can explain any sentence you’re unsure about.