Calculator
| Asset | Protocol | Network | Amount | APY | Yearly Yield | |
|---|---|---|---|---|---|---|
| Asset | Protocol | Network | Amount | Borrow APY | Yearly Cost | |
|---|---|---|---|---|---|---|
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Model supply and borrow positions with live APY — no manual rate entry required
EchoTerminal's DeFi yield calculator models supply and borrow positions using live APY data pulled directly from the same 1,000+ pools tracked in the yield table — no manual rate entry required. Users can construct multi-leg strategies: supply an asset on one protocol, borrow against it on another, and project net daily and annual returns against the current spread. Because the calculator draws from live protocol data rather than a fixed assumption, the output reflects actual market conditions at the time of modeling. The tool is designed for DeFi investors and institutional desk operators who need to evaluate a yield strategy before committing capital, not after.
- DeFi yield calculator pre-populated with live APY — no manual rate lookup or data entry needed.
- Model supply and borrow DeFi positions simultaneously to calculate net spread across protocols.
- Project daily and annual returns using current protocol rates, not assumed or historical averages.
- Simulate multi-leg DeFi yield strategies: supply on Aave, borrow on Morpho, compare net spread.
- DeFi lending calculator covers all 10 tracked protocols and 32 networks — same data as the yield table.
Frequently asked questions
What is a DeFi yield calculator?
A DeFi yield calculator projects expected returns from supplying assets to a decentralized lending protocol, or from a combined supply-and-borrow strategy. You input position size and APY — or select a live pool to auto-populate the rate — and the calculator returns estimated daily, monthly, and annual earnings. Because DeFi APYs are variable, output represents a projection at current rates, not a guaranteed return.
How is APY different from APR in DeFi?
APR is the simple annualized interest rate without compounding. APY accounts for compounding — interest earned on previously accrued interest. In protocols like Aave and Morpho, interest accrues every block (effectively continuous compounding), so APY is the standard metric. It accurately reflects what depositors receive when interest is automatically reinvested via receipt tokens such as aTokens on Aave.
Can I model both a supply and a borrow position at the same time?
Yes. EchoTerminal's calculator supports multi-leg position modeling: add a supply position on one pool and a borrow position on another, then view the projected net yield — the spread between earnings and borrowing cost. The calculator models return arithmetic only and does not execute or recommend specific strategies.
Why does EchoTerminal use live APY data instead of a fixed rate input?
DeFi interest rates update in real time with each pool's utilization ratio. Modeling a position using a rate that is hours old can produce materially different projections from what is actually available. EchoTerminal's calculator pulls from the same data that feeds the live yield table, so the modeled rate reflects current market conditions.
Does the calculator account for gas fees or protocol fees?
The calculator models gross yield from supply and borrow APY. The displayed supply APY already reflects the protocol reserve factor deduction — Aave routes a portion of borrower interest to its DAO treasury before distributing to suppliers, and the APY shown is net of that. Gas costs vary by network and transaction type and should be considered separately, particularly for small positions on high-fee networks.
Which DeFi protocols and networks does EchoTerminal cover?
EchoTerminal covers 10 protocols: Aave, All Bridge, Compound, Fluid, Jupiter Lend, JustLend, Kamino, Morpho, Spark, and Venus. Networks include Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche, BSC, Solana, Gnosis, Scroll, Linea, ZKsync Era, Mantle, Celo, Sonic, Unichain, Tron, SUI, Metis, Monad, Soneium, HyperEVM, Ink, Algorand, Stacks, and more — over 1,000 pools in total.