Free DeFi Calculator Tools
These three calculators cover the decisions most DeFi users get wrong before committing capital: whether a liquidity pool will actually be profitable after impermanent loss, what a quoted APY really means in dollar terms over time, and how compounding affects your final return depending on how long you stay in a position.
All three tools are free. No signup, no email, no paywall.
Impermanent Loss Calculator
Open the Impermanent Loss Calculator
Impermanent loss is the hidden cost of providing liquidity to a DEX pool. When the price of one token in your pair moves relative to the other, your position is worth less than if you had simply held both tokens in your wallet. The loss is impermanent only if prices return to their original ratio — which they often do not.
This calculator shows you the exact percentage loss at different price movement scenarios before you deposit. Enter your starting price ratio, adjust the price change slider, and see the IL curve, a scenario table covering 10% to 500% price moves, and the breakeven APY — the minimum trading fee yield the pool needs to generate before your position turns profitable versus simply holding.
Use this before: adding liquidity to any Uniswap, Curve, or Balancer pool involving a volatile token pair. If the breakeven APY is higher than the pool historical fee yield, the math does not work in your favor.
For more on how impermanent loss works in practice, see the yield farming guide and the liquidity pools explainer.
DeFi Returns Calculator
Open the DeFi Returns Calculator
Most DeFi yield quotes are annualized. That tells you very little about what you actually earn on a 30-day, 90-day, or 6-month position — especially once compounding frequency is factored in.
This calculator projects your staking, lending, and yield farming returns over any time period. Enter your starting capital, the quoted APY, your compounding frequency (daily, weekly, monthly), and the holding period. You get a day-by-day return breakdown, a final balance projection, and a comparison between compounded and simple interest outcomes.
Use this for: comparing Aave lending rates against Curve pool yields, projecting ETH staking returns from Lido over 12 months, or deciding whether a higher-APY pool with weekly compounding beats a lower-APY pool with daily compounding over your planned hold period.
For context on the platforms behind these yields, see the best DeFi lending platforms comparison and the stablecoin yield strategies guide.
APY vs APR Converter
APY (Annual Percentage Yield) includes compounding. APR (Annual Percentage Rate) does not. DeFi platforms quote whichever number looks bigger — which means comparing rates across platforms requires converting them to the same basis first.
This converter handles both directions: APR to APY and APY to APR. Enter the rate, select the compounding frequency, and get the equivalent figure instantly. Use it any time you are comparing a lending rate on one platform against a staking yield on another and the numbers do not line up.
Use this when: a platform quotes 18% APR and another quotes 15% APY and you need to know which is actually higher. With daily compounding, 18% APR equals roughly 19.7% APY — making the 15% APY offer the lower one.
For a full breakdown of how APY and APR work in DeFi, see the APY vs APR guide.
How to Use These Tools Together
The three calculators work best in sequence when evaluating any new DeFi position:
- APY vs APR Converter — normalize the yield quote so you are comparing apples to apples across platforms.
- DeFi Returns Calculator — project what that APY actually earns over your intended holding period with your compounding schedule.
- Impermanent Loss Calculator — if the position involves a liquidity pool, check whether the projected yield clears the impermanent loss breakeven threshold for your expected price range.
All three are free and require no account. If you find them useful, the DeFi risks guide and the beginner guide to starting in DeFi are the next logical reads.