| Pool | APY | Earnings | Monthly | Final Balance |
|---|---|---|---|---|
| Pendle PT BEST | 14.5% | $7,250 | $604 | $57,250 |
| Morpho Vault | 6.8% | $3,400 | $283 | $53,400 |
| Aave USDC | 4.5% | $2,250 | $188 | $52,250 |
| Lido stETH | 3.2% | $1,600 | $133 | $51,600 |
This tool is educational. Not financial advice.
DeFi Yield Comparison Tool
Add up to 8 pools or vaults, set their APY, and compare earnings on the same capital. The ranked bar chart shows which source earns the most. Edit pool names and rates inline.
How to compare yields
- Enter the nominal APY or APR of each option you are considering.
- The tool standardises the rates into comparable APYs (so 6% monthly compounded becomes the effective 6.17% APY).
- Layer in fees and minimum balances so the comparison reflects net yield, not just headline numbers.
- Sort the options by net yield to see the best risk-adjusted pick for your horizon.
Common use cases
- Comparing high-yield savings accounts where headline APY and real yield differ after fees.
- Evaluating CDs of different terms against a money market fund that offers immediate liquidity.
- Choosing between stablecoin yield platforms with different compounding frequencies and lockups.
- Modelling whether a bond's yield-to-maturity beats a comparable savings product net of tax.
Frequently asked questions
What is the difference between APY and APR?
APR is the nominal annual rate, ignoring compounding. APY includes the effect of compounding — APY is always higher than APR unless compounding is annual. Compare on APY for savings, APR for loans.
Should I always pick the highest yield?
No. Compare the risk profile — a high-yield stablecoin product is not the same risk as an FDIC-insured savings account. Adjust for liquidity (lockups) and counterparty risk.
How does tax change the comparison?
Interest is typically taxed as ordinary income, which is the highest tax bracket for most people. A municipal bond at 3% tax-free can net more than a taxable 4% savings rate — always compare after-tax.
Is my data stored?
No. Calculations run locally in your browser.
About yield comparison
Different DeFi protocols and vaults offer different yields. This tool lets you compare them fairly by calculating earnings on the same capital over the same time period.
- Compare up to 8 yield sources side by side
- Horizontal bar chart ranked by earnings
- Editable pool names and APY rates
- Monthly income breakdown per pool
- Adjustable capital and time horizon
- Export chart as PNG
Free. No signup. Inputs stay in your browser. Ads via AdSense (consent required).