Crypto APY Calculator
Convert between APR and APY for staking, lending and yield farming.
Please note: Cryptocurrency is highly volatile and can lose value rapidly. All prices are entered manually — no live market data is used. Nothing here is investment advice.
What the Crypto APY Calculator does
APR is the simple annual rate; APY includes the effect of compounding your rewards. The gap widens sharply at high rates — a 100% APR compounded daily becomes a 171% APY, which is why protocols prefer to advertise APY.
Formula
APY = (1 + APR ÷ n)ⁿ − 1APR = n × ((1 + APY)^(1/n) − 1)
Inputs explained
| Input | Unit | Required | Notes |
|---|---|---|---|
| Convert | one of 2 options | Yes | — |
| Rate | % | Yes | — |
| Compounding frequency | one of 5 options | Yes | — |
| Amount | number | Optional | Optional — shows the yield in coins or currency. Accepts 0 or more. |
How to use it
- Choose Convert and Compounding frequency.
- Enter Rate.
- Optionally add Amount.
- Select Calculate.
Worked example
A protocol advertises 12% APR compounded daily.
- Mode
- APR → APY
- Rate
- 12
- Frequency
- Daily
(1 + 0.12/365)³⁶⁵ − 1 = 12.747% APY.
Frequently asked questions
Why do DeFi platforms show such high APYs?
They often assume continuous auto-compounding and include token rewards valued at today's price. Both assumptions can break down quickly.