Lending Yield Calculator

Money-market lending, the boring end of DeFi: supply an asset, earn a floating APY that accrues continuously. This projects a constant rate over your horizon.

Supplied amount

Supply APY

Days supplied

Results (live)

Interest earned$253.14

Final balance$10,253.14

Per day right now$1.42

Estimates only, not financial advice. All math runs in your browser; nothing you type leaves this page.

How it works

final = amount × (1 + APY)^(days/365)

Worked example

$10,000 supplied at 5.2% for 180 days grows to $10,259. The rate floats with utilization, so re-check it; 5% today can be 2% after an incentive program ends.

FAQ

Why does the supply rate keep changing?

It is set by utilization: the share of the pool currently borrowed. More borrowing demand, higher rate, automatically.

What are the real risks?

Smart-contract failure, oracle failure, and bad-debt events from cascading liquidations. The APY is payment for those, not free money.

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Estimates only, not financial, tax or investment advice. Verify numbers against your exchange or a professional before acting.