APY/APR Calculator

WHAT IT DOES

APY/APR Calculator helps you project the future value of your investments with compound interest. You provide the principal amount, annual rate (APY/APR), time period, and compounding frequency, and the tool calculates the future value, total interest earned, yield percentage, and effective APR. It also compares different compounding frequencies (simple, annual, monthly, daily) side by side, so you can see how compounding affects your returns. This is essential for DeFi investors evaluating yield farming opportunities, staking rewards, or savings strategies. It reads the current network chain ID from your wallet provider for context, but calculations are performed locally.

HOW TO USE

Connect your wallet using the "Connect" button (required for network context). Select the target network (Ethereum Mainnet, Sepolia, Polygon, BSC, Arbitrum, Optimism, and testnets are supported). Enter your yield parameters: principal amount, APY/APR percentage, time period (with unit selection: days, months, years), and compounding frequency (annual, semi-annual, quarterly, monthly, weekly, daily, or simple interest). Click "Calculate yield" — the tool will compute future value, total interest, yield percentage, effective APR, and display a compounding comparison table. The entire operation is read-only — no transactions are signed or sent.

TECHNICAL MECHANISM

The tool uses the compound interest formula: FV = P * (1 + r/n)^(n*t), where P is principal, r is the annual rate (as a decimal), n is the compounding frequency per year, and t is the time in years. For simple interest, the formula is FV = P * (1 + r*t). The effective APR is calculated as (1 + r/n)^n - 1. The tool uses ethers.js v5.7.2 for network context but performs all calculations locally. All inputs are validated for correctness. Results are displayed with color-coded indicators.

WHAT IT CANNOT SEE

The tool cannot guarantee that projected yields will match actual returns due to variable APY/APR, protocol changes, or market conditions. It cannot account for fees, slippage, or impermanent loss. It is limited by the accuracy of the provided APY/APR values. It cannot calculate yields for protocols with complex reward structures or auto-compounding without full integration. It cannot account for fluctuating token prices or exchange rates. It cannot predict future rate changes or protocol upgrades.

PLEASE NOTE

This tool is for educational and analytical purposes. Always verify yield projections with the specific protocol you are using. The tool does not persist any data; all state is lost on page reload. EVM chains only.