Compounding calculator
A monthly return compounded, with uneven months.
Free risk tools
APR and APY calculator
Turn a simple yearly rate into the rate you really earn once interest is added to interest, or back again.
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- Free
- No sign-up
- Nothing you type is stored
The rate
What you earn
An APR of 12% added every day is an APY of 12.75%.
- $1,000.00 after 1 year
- $1,127.47: $127.47 earned, against $120.00 without compounding.
- Each time interest is added
- 0.0329% of the balance.
At a rate that never changes. Staking, lending and savings rates move, and a high rate usually pays for a risk: the platform, the coin's price or the borrower.
Education only, not investment advice. The answer comes from the numbers you typed in, not from your account or the market. Simulated results are hypothetical and have limits: real trading has slippage, gaps, changing results and emotions. Trading leveraged products can lose money quickly, including all of it. Risk warning
Educational only, not financial advice; trading involves risk.
APR is the headline, APY is what you get
A 12% APR added once a year earns 12%. Added every month it earns 12.68%, and every day 12.75%, because each payment starts earning too. Lenders like to quote the lower APR on what you owe; platforms like to quote the higher APY on what they pay. Converting both to the same basis is the only fair way to compare them.
To compound a trading account month by month, use the compounding calculator; for the cost of holding a crypto perpetual, the funding rate calculator.
Not advice. Arithmetic on the rate you type.
Next tools
Dividend calculator
Yield, yearly income and what reinvesting does.
Funding rate calculator
What holding a crypto perpetual costs or pays in funding.
Pricing
Three ways in. Pick yours.
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Baroq never holds your money and never trades for you. Educational only, not financial advice; trading involves risk.