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Open APY Calculator →Annual Percentage Yield (APY) reflects your total return over a year including the effect of compounding, while APR is the simple annual rate without compounding. This calculator converts between the two and projects growth over any time horizon.
The more frequently interest compounds — daily versus monthly versus annually — the higher your effective APY will be for the same stated APR, especially at higher rates.
Always compare opportunities using APY rather than APR, since APY accounts for compounding and gives a true apples-to-apples comparison across different protocols and compounding schedules.
APR is the simple annual interest rate with no compounding. APY factors in compounding, so it's typically higher than APR at the same nominal rate.
Use the formula APY = (1 + APR/n)^n − 1, where n is the number of compounding periods per year.
This varies widely by asset and risk level. Established assets typically offer single-digit to low double-digit APY, while higher-risk DeFi protocols may advertise much higher rates.
Not automatically — always check whether the advertised APY is gross or net of protocol, management, or performance fees before relying on the figure.