Crypto Lending Yield Calculator
Project how much you can earn by lending your crypto. Compare returns at different APY rates, deposit sizes, and compounding frequencies.
Your Deposit
Total Value
$10,512.67
after 12 months
Total Earned
$512.67
interest earned
Monthly Avg
$42.72
per month
Effective APY
5.13%
with daily compounding
Growth Projection
| Month | Portfolio Value | Interest Earned |
|---|---|---|
| 0 | $10,000.00 | $0.00 |
| 1 | $10,041.75 | $41.75 |
| 2 | $10,083.68 | $83.68 |
| 3 | $10,125.78 | $125.78 |
| 4 | $10,168.05 | $168.05 |
| 5 | $10,210.50 | $210.50 |
| 6 | $10,253.13 | $253.13 |
| 7 | $10,295.94 | $295.94 |
| 8 | $10,338.93 | $338.93 |
| 9 | $10,382.09 | $382.09 |
| 10 | $10,425.44 | $425.44 |
| 11 | $10,468.97 | $468.97 |
| 12 | $10,512.67 | $512.67 |
Important: This calculator assumes a constant APY over the entire period. In reality, crypto lending rates fluctuate constantly based on supply and demand. Actual returns may be higher or lower. This calculator does not account for platform fees, gas costs, token price changes, or potential loss of funds. This is not financial advice.
Understanding Crypto Lending Yields
Crypto lending yields vary significantly by platform, asset, and market conditions. Stablecoins (USDC, USDT, DAI) typically offer 3-8% APY, while volatile assets like ETH and BTC often yield 1-4% APY. DeFi protocols adjust rates algorithmically based on utilization, while CeFi platforms set rates periodically.
Compounding matters. DeFi protocols typically compound interest continuously (effectively per-block), which means your effective APY is higher than the stated APR. This calculator helps you see the difference.
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