Yield Calculator
| Gross yield | - |
| Costs | - |
| Effective annual return | - |
| Break-even holding period | - |
You have just worked out what a position actually nets after costs. The rates behind that calculation move every week.
Every Thursday: where crypto yield actually is - stablecoins, liquid staking and DeFi lending, with the risk named next to the rate and what changed since last week.
Get it free every ThursdayFree. No trade calls, no allocations, no hype.
Why the APY is not the return
A 4.5% APY on $1,000 earns about $45 over a year. If getting the money in and out costs 1%, that is $10 gone before anything compounds - roughly a fifth of the return. On $100,000 the same percentage costs $1,000 but leaves 80% of a much larger number. Position size changes whether a yield is worth taking at all.
The break-even holding period
The figure most yield content omits. If entry and exit cost 1% and the position pays 4.5%, you need to hold roughly two and a half months before the yield covers the cost of getting in. Anything shorter loses money no matter how good the rate looks.
What this does not model
It assumes the APY holds for the whole period. It rarely does - rates move with utilisation, and a rate quoted today is a snapshot. It also ignores tax, which is jurisdiction-specific and can be the largest cost of all.