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Calcimator

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

%
%
%
%

Results

Overall net APY (%)

2.98%

Total supply APY (%)5.05%
Supply base APY (%)3.05%
Net borrow cost APY (%)4.13%
Net earnings ($)$298.20
Supply earnings ($)$504.53
Reward earnings ($)$200.00
Net borrow cost ($)$206.34
Loan-to-Value (%)50%
Health factor1.6
Supply Base Earnings$304.53
How to Use This Calculator
  1. Enter your Deposit Amount ($) and the Supply Base APR % from the lending protocol's dashboard.
  2. Add the Supply Reward APR % for token incentives (e.g., COMP, AAVE rewards) on top of the base rate.
  3. Set Compounds per Year — 365 for daily, 8,760 for hourly compounding.
  4. If borrowing, enter the Borrow Amount ($) and Borrow APR % to calculate your net position.
  5. Review Net APY, Projected Earnings, and Health Factor — keep Health Factor above 1.5 to avoid liquidation risk.

How the result changes with Supply base APR (%)

Supply base APR (%)Overall net APY (%)
2022.07%
70101.18%
130266.02%
180502.23%

What each input means

Deposit amount ($)
Amount deposited as collateral/supply.
Supply base APR (%)
Base interest rate earned on supplied assets (from protocol).
Supply reward APR (%)
Additional token rewards (e.g., COMP, AAVE) earned on supply.
Compounds per year
How often interest compounds (365 = daily, 8760 = hourly).
Borrow amount ($)
Amount borrowed against your collateral. Set to 0 for supply-only.
Borrow APR (%)
Interest rate paid on borrowed assets.
Borrow reward APR (%)
Token rewards earned for borrowing (can offset borrow cost).
Time period (months)
Investment time horizon in months.

What each result means

Overall net APY (%)
Net annualized return on deposited capital after borrow costs.
Total supply APY (%)
Supply APY including base interest and token rewards.
Supply base APY (%)
Compounded base supply APY (from APR).
Net borrow cost APY (%)
Borrow APY minus borrow rewards. Positive = net cost.
Net earnings ($)
Total earnings minus borrow costs over the time period.
Supply earnings ($)
Total interest and rewards earned from supplying.
Reward earnings ($)
Earnings from token rewards on supply.
Net borrow cost ($)
Total borrow interest minus borrow rewards.
Loan-to-Value (%)
Borrow amount as percentage of collateral. Keep below liquidation threshold.
Health factor
Liquidation risk indicator. Below 1.0 = liquidation. Above 1.5 recommended.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Deposit amount ($) = 10000, Supply base APR (%) = 3, Supply reward APR (%) = 2, Compounds per year = 365 = 8 input(s) provided
  2. Calculate Overall net APY
    2.982 = 2.982%
  3. Calculate Total supply APY
    Total supply APY = supplyApy + supplyRewardApy
    5.0453 = 5.0453%
  4. Calculate Supply base APY
    Supply base APY = (pow(1 + (supplyAprPct / 100) / compoundFrequency, compoundFrequency) - 1) * 100
    3.0453 = 3.0453%

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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