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APR to APY Calculator
Convert advertised APR to effective APY — the number that actually matters when comparing Aave, Lido, Curve, and LP rewards.
APR to APY Converter
Compare advertised APR vs effective APY after compounding — essential when evaluating Aave, Compound, Lido, and LP reward rates.
Input APR
12.00%
Effective APY
12.75%
Compounding Boost
+0.75%
365× per year
Protocols often quote APR while auto-compounders show APY. A 20% APR compounded daily is ~22.1% APY — always normalize before picking the highest yield.
APR vs APY FAQ
APR is the simple annual rate without compounding. APY reflects how often rewards are reinvested. A 12% APR compounded daily becomes ~12.75% APY. Protocols often advertise APR; comparing strategies requires converting to the same basis.
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