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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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