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DeFi Yield (APY) Calculator

Work out defi yield (apy) instantly with clear inputs, formula shown and shareable results.

About DeFi Yield (APY) Calculator

APR is the simple annual rate; APY is what you actually earn once rewards are compounded. With daily auto-compounding an 18% APR becomes almost 19.7% APY — and gas costs are the practical limit on compounding frequency.

Formula

APR to APY

APY = (1 + APR/m)^m - 1

m
Compounding events per year

Worked example

With the default values below, DeFi Yield (APY) Calculator returns Effective APY of 19.7164%. Change any input above and every figure here is recalculated in your browser.

Inputs used

Amount Suppliedminimum 0
300,000
Advertised APRaccepts 0–500 %
18 %
Compounding Events Per Yearaccepts 1–8,760
365

Results

Effective APY
19.7164%
Yield Over One Year
$59,149.27
Extra From Compounding
$5,149.27
Rate Per Compounding Event
0.049315%

Step by step

  1. 1Values used
  2. 2APR to APY
  3. 3Effective APY= 19.7164
  4. 4Yield Over One Year= 59,149.27
  5. 5Extra From Compounding= 5,149.27
  6. 6Rate Per Compounding Event= 0.049315

Assumptions and limits

  • The result is derived only from the 3 inputs listed above. Anything not among them is not part of the calculation.
  • In particular, this calculator does not take inflation, tax or fees or charges into account.
  • Figures are rounded for display to 6 decimal places, so totals built from several rounded parts can differ slightly from the unrounded arithmetic.
  • Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.
  • This is an estimate for general information and not professional financial, tax or legal advice. See the full disclaimer for the limits that apply to this kind of calculator.

How these calculators are built and tested is described on the Methodology page. If a figure looks wrong, please report it.

Figures are estimates for planning only. Market returns are not guaranteed, and rates, limits and tax rules change. This is not financial or tax advice — speak to a qualified adviser before acting.

Frequently Asked Questions

Why do protocols advertise APY?

It is the larger number. Compare like with like: APY against APY, and check whether auto-compounding is actually included.

What risks sit behind high yields?

Smart contract failure, impermanent loss, token emission dilution and stablecoin de-pegging — the yield is rarely free.

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DeFi Yield (APY) Calculator – Calculate Effective APY