APY/APR Calculator

Calculate your real DeFi returns with compound interest. Compare APY vs APR to see actual earnings.

Annual Percentage Rate (simple interest)

Your Results

Actual APY (with compounding):
0.00%
Final Balance: $0.00
Total Earnings: $0.00
Compound Interest Bonus: $0.00

Earnings Breakdown Over Time

After 1 month: $0.00
After 6 months: $0.00
After 1 year: $0.00
After 5 years: $0.00
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APY vs APR: What's the Difference?

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APR (Annual Percentage Rate)

Simple interest without compounding. If a protocol offers 20% APR, you earn exactly 20% per year on your initial investment, regardless of whether you claim rewards or not.

Example: $10,000 at 20% APR = $2,000 profit/year

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APY (Annual Percentage Yield)

Compound interest - your earnings also earn interest. APY accounts for reinvesting rewards. The more frequently rewards compound, the higher your actual APY.

Example: $10,000 at 20% APR (daily compounding) = $2,214 profit/year

How Compounding Frequency Affects Returns

The formula for APY is: APY = (1 + APR/n)^n - 1 where n is the number of compounding periods per year.

Example: 20% APR compounded at different frequencies

Yearly (n=1): 20.00% APY
Monthly (n=12): 21.94% APY
Weekly (n=52): 22.09% APY
Daily (n=365): 22.13% APY
Continuous (n=∞): 22.14% APY

Auto-Compounding vs Manual Claims

Auto-Compounding Protocols

  • ✓ Use APY for accurate returns
  • ✓ Rewards automatically reinvested
  • ✓ No gas fees for claiming
  • ✓ Examples: Yearn, Beefy, Autofarm

Manual Claiming

  • âš  Actual returns closer to APR
  • âš  Must claim & restake for compounding
  • âš  Gas fees reduce real yields
  • âš  Examples: Uniswap V3, SushiSwap

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