Stablecoin Yield Calculator
Enter the deposit, APY, term and your risk assumptions.
Projected value
β
Enter values above
Yield earned
β
Platform fees
β
Effective APY
β
Expected value after risk
β
Risk-adjusted APY
β
Worked example
With the default inputs shown below, this calculator returns the following results:
| Input | Value |
|---|---|
| Deposit amount ($) | 10000 |
| Advertised APY (%) | 8 |
| Months deposited | 12 |
| Platform fee (% per year) | 0.5 |
| Risk of losing principal (%) | 2 |
| Result | Value |
|---|---|
| Projected value | $10,750.00 |
| Yield earned | $800.00 |
| Platform fees | $50.00 |
| Effective APY | 7.50% |
| Expected value after risk | $10,535.00 |
| Risk-adjusted APY | 5.35% |
Values shown are produced by this page in your browser; change any input to update them.
How to use the Stablecoin Yield Calculator
- Deposit amount ($) β default 10000
- Advertised APY (%) β default 8
- Months deposited β default 12
- Platform fee (% per year) β default 0.5
- Risk of losing principal (%) β default 2
- Press Calculate to update the results instantly.
Frequently asked questions
Because an 8% yield means little if there is a 2% chance of losing the entire deposit. Pricing that risk turns a headline yield into something comparable with a bank account.
Historically low for fiat-backed stablecoins, but not zero. Depegs, smart-contract exploits and platform insolvencies have all destroyed value, and the risk is concentrated rather than spread.
Almost never. Unlike bank deposits, there is no deposit insurance. That is the main reason the yield is higher than a savings account.