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APY calculator

A teaching tool, with transparent assumptions. All calculations run on your device.

Enter your assumptions, then select Calculate.

APY = (1 + APR / n)ⁿ − 1; A = P × (1 + APR / n)ⁿᵗ

Constant nominal APR, periodic compounding, no fees, deposits, withdrawals or price changes. Fractional years use the model’s mathematical exponent.

Understand the mechanism

DeFi

DeFi interest rates: APR and APY

Borrower interest funds supplier returns, after protocol allocations.

Intermediate4 min reading + workshop ↗

Frequently asked questions

Is APY a guaranteed return?

No. It is an annualised rate under a compounding convention. Variable rates, fees and asset prices can change the realised result.

What is the difference between APR and APY?

APR states a nominal annual rate. APY includes reinvestment at the assumed frequency; compare both using the same time period and fees.

Sources and references

Results follow your inputs and the displayed formula. References explain the mechanism and limitations; they do not provide live rates.

References reviewed on 21 September 2026. All sources →