DeFi Yield Calculator
Compound interest, APR↔APY conversion, impermanent loss modeling, and gas-adjusted net returns. All math runs in your browser — no data sent anywhere.
Quick answer. Use APY, not APR, for compounding projections: final balance = P × (1 + APY)t; with discrete compounding it is P × (1 + r/n)n·t, minus gas paid per compound. For example, 7.76% APR compounded daily becomes about 8.00% APY. If you are comparing LP pools, run the impermanent-loss estimator below before depositing — high headline APY can be erased by divergence.
How to use this calculator in 5 steps
- Enter your principal. Type the deposit amount in USD in the Principal field.
- Enter APY. Use the pool APY, not APR. If a protocol quotes APR, convert it with the APR ↔ APY box first.
- Set horizon and compounding. Choose the time horizon in years and compounds per year — 365 for daily auto-compounding vaults like Beefy or Yearn, 12 for manual monthly claims.
- Subtract gas (optional). Set gas per compound to 0 for L2 auto-vaults where gas is amortized, or roughly 15–25 USD for manual compounding on Ethereum mainnet.
- Read net ROI and model IL. Check Final Balance and Net ROI, then enter the expected price move in the Impermanent Loss Estimator to see whether fees beat simply holding.
Inputs
Set 0 for L2 aggregators (gas amortized). For manual ETH mainnet, try $20.
Projected Returns
APR ↔ APY Converter
Impermanent Loss Estimator
For equal-weight LP positions. Enter the price change of one asset (other held constant).
+50 means asset B went up 50%; -30 means it dropped 30%.
Yield Calculator FAQ
What's the difference between APR and APY in DeFi?
APR (Annual Percentage Rate) is the simple annual rate. APY (Annual Percentage Yield) accounts for compounding — when rewards are reinvested, your effective return grows. Daily compounding turns a 7.76% APR into an 8.00% APY.
What formula converts APR to APY?
APY = (1 + APR/n)^n − 1, where n is compounds per year (365 for daily). To go backwards, APR = n × ((1 + APY)^(1/n) − 1). The converter on this page applies both formulas instantly.
How often do DeFi aggregators compound?
Yearn and Beefy auto-compound multiple times per day on Ethereum L2s such as Arbitrum and Base, and roughly weekly on mainnet because of gas costs. Manual compounding on ETH mainnet costs 15–50 USD per transaction, so it is usually only profitable for positions above roughly 50,000 USD.
Does gas cost change which yield is profitable?
Yes. Every manual claim-and-reinvest transaction pays network gas, which is subtracted from compounded gains. Auto-vaults batch these costs across all depositors, which is why they dominate on high-gas chains. The optional gas field deducts your cost per compound from the projected balance.
What is impermanent loss (IL)?
IL is the difference between holding assets versus providing them to an AMM pool. When the pooled assets diverge in price, the LP position underperforms simple holding, and the loss becomes permanent once you withdraw. Use the estimator above to model it before depositing.
Do I need an account, and does the tool touch my wallet?
No. All math runs in your browser — there is no signup, no wallet connection, and no deposit data is sent to DifiCalc servers.
Which currencies are supported?
Results can be displayed in USD, CAD, AUD, GBP, EUR, SGD, MYR, HKD, BRL and JPY. Currency conversion is for display only; the underlying APY and impermanent-loss math stays the same.