free tool · DeFi and perps calculators
APR to APY calculator for DeFi
Turn any APR into APY, or back, and see what your deposit earns.
- 100% free
- No sign-up
- No wallet connection
your numbers
your result
APY by compounding frequency at 60.00% APR
APY assumes every reward is claimed and re-deposited at the same rate. DeFi rates change by the hour and rewards paid in a volatile token can lose value faster than they compound.
Runs in your browser. Nothing is stored or sent to us. Not financial advice.
quick answer
What is the difference between APR and APY?
APR is the yearly rate without compounding; APY is the effective yearly return when rewards are reinvested. With compounding, APY is always at least as high as APR.
how to use the apr to apy calculator
APR is the simple yearly rate; APY includes the effect of compounding. Convert either way with any compounding frequency, and see the daily rate and what a deposit earns over a set number of days.
Pick a direction
Choose APR → APY or APY → APR.
Enter the rate
Enter the rate and the compounding frequency.
See the earnings
Enter a deposit and a number of days to see the earnings.
formula
The exact math the apr to apy calculator runs, so you can check any result by hand.
APY = (1 + APR ÷ n)ⁿ − 1APR = n × ((1 + APY)^(1/n) − 1)continuous: APY = e^APR − 1
guide
APR vs APY
A 60% APR compounded daily is a 82.1% APY; compounded monthly it is 79.6%. The higher the rate and the more often rewards are reinvested, the bigger the gap. DeFi dashboards often show APY because it is the bigger number, even when rewards are not auto-compounded.
what the headline yield leaves out
Both numbers assume the rate stays the same for a year, which DeFi rates never do. Yields paid in a volatile reward token can lose value faster than they compound, and liquidity-pool yields ignore impermanent loss. Compare the yield with what you give up.
frequently asked questions
What is 100% APR in APY?
171.5% with daily compounding, 161.3% with monthly compounding and 171.8% (e − 1) with continuous compounding.
How do I convert APY to APR?
APR = n × ((1 + APY)^(1/n) − 1), where n is the number of compounding periods per year. The calculator does it for any frequency.
related free tools
The next check traders usually run after this one.
DeFi and perps calculators
Impermanent loss calculator
Compare an LP position with simply holding, fees included.
Try it free
Memecoin trade calculators
Crypto profit calculator
Your real profit on a memecoin trade, after fees, at a glance.
Try it free
DeFi and perps calculators
Perps liquidation price calculator
Know the exact price that wipes your margin before you open the perp.
Try it freecatch the next runner the second it trends
A Telegram call the moment a token enters FOMO's Trending list, then 2x, 5x and 10x updates. The live top 15 refreshes every 5 seconds.
Trade these tokens on FOMO (fomo.family), the social trading app where they trend. Referral link.
Updated by Fomo Trending. Free, no sign-up, runs in your browser. Not financial advice.