Lending Protocol APY Calculator

Calculate net APY from DeFi lending protocols like Aave or Compound, accounting for supply APR, borrow APR, token rewards, compounding frequency, and health factor.

Inputs

Deposit amount ($)

Supply base APR (%)

Supply reward APR (%)

Compounds per year

Borrow amount ($)

Borrow APR (%)

Borrow reward APR (%)

Time period (months)

Tab to move between fields

Results

Overall net APY (%)

2.98%

Total supply APY (%)5.05%

Supply base APY (%)3.05%

Net borrow cost APY (%)4.13%

Net earnings ($)$298.2

Supply earnings ($)$504.53

Reward earnings ($)$200

Net borrow cost ($)$206.34

Loan-to-Value (%)50%

Health factor1.6

Supply Base Earnings$304.53

How to Use This Calculator

Enter your Deposit Amount ($) and the Supply Base APR % from the lending protocol's dashboard.
Add the Supply Reward APR % for token incentives (e.g., COMP, AAVE rewards) on top of the base rate.
Set Compounds per Year — 365 for daily, 8,760 for hourly compounding.
If borrowing, enter the Borrow Amount ($) and Borrow APR % to calculate your net position.
Review Net APY, Projected Earnings, and Health Factor — keep Health Factor above 1.5 to avoid liquidation risk.

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