Crypto APY Calculator
Convert an APR into compounded APY and project your staking or yield-farming returns over any period.
Result
Enter values to see the result.
How to use the Crypto APY Calculator
- 1Enter your Principal (in USD).
- 2Enter your APR (in %).
- 3Enter your Compounds / year.
- 4Enter your Years.
- 5The result and full breakdown update instantly β no signup, no waiting, and your numbers never leave your browser.
About the Crypto APY Calculator
Convert an APR into compounded APY and project your staking or yield-farming returns over any period. It's a free tool in our mining & staking tools collection on TheCryptoTools, runs entirely in your browser, and works on mobile. If you found it useful, try Crypto Compound Interest Calculator, Crypto Staking Rewards Calculator and Crypto Lending Calculator.
Why crypto quotes APY β and how the number gets inflated
APY exists to make one yield comparable to another by folding compounding into a single figure. In crypto it became the headline metric, which is exactly why it is the most gamed. A vault that auto-compounds hourly can quote a large APY off a modest APR; a farm can quote an APY that is mostly its own token emissions, which shrink as more people join. Two protocols both showing β40% APYβ may be paying it in completely different things β real trading fees versus freshly minted governance tokens that get sold. This calculator gives you the honest APY for a given APR and compounding frequency; it cannot tell you whether the APR itself is real or sustainable.
Compounding frequency has a ceiling
Turning APR into APY has sharply diminishing returns. At 12% APR, compounding monthly gives 12.68% APY, daily 12.75%, and continuously 12.75% β the jump from monthly to daily is a rounding error, and from daily to hourly you would never feel it. Anyone advertising an APY far above what the maths allows is compounding a higher APR, not using a cleverer schedule. Set the frequency to how your platform actually pays β many stake daily, some per block, some only when you claim β rather than to the biggest number.
The cost the APY leaves out: gas and claiming
On-chain compounding is not free. Every time you claim and restake you pay a transaction fee, and on a small position that fee can quietly exceed the reward you are compounding β which is exactly why auto-compounding vaults exist, and why manually compounding a $200 stake every day usually loses to just leaving it alone. Before chasing a higher compounding frequency, weigh what a single claim costs against what a single period actually pays.
π Learn more
APR and APY look similar but can mean very different returns. Learn how compounding turns APR into APY and why it matters for staking and yield farming.
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Total return, CAGR and APY describe the same growth in very different-looking numbers. Confusing them makes a mediocre investment look great. Here's how to read each one correctly.
Frequently asked questions
οΌWhat's the difference between APR and APY?
APR is the simple annual rate. APY includes compounding, so it's higher when rewards are reinvested multiple times per year.
οΌHow is APY calculated?
APY = (1 + APR Γ· n)βΏ β 1, where n is the number of compounding periods per year.
οΌDoes more frequent compounding help?
Yes, but with diminishing returns. Daily compounding beats monthly, but the gap narrows as frequency rises.
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For educational purposes only. Crypto APY Calculator results are estimates, not financial advice.